| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $147K | $0 | $147K | 1.80% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $0 | $30K | 0.37% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | -$25 | $0 | -$25 | -0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $14K | $60K | $75K | 13.06% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 0.45% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | $0 | $19K | $19K | 4.05% |
| WEISER RISK SOLUTIONS3 Filed as: WEISER RISK SOLUTIONS LLC | 135 WEST 50TH STREET, 12TH FLOOR NEW YORK, NY 10020 | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | $5K | $0 | $5K | 1.05% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $11K | $31K | $42K | 15.43% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.14% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 955 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,329 | $8.2M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | 1,300 | $480K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | 1,300 | $480K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 953 | $844K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 953 | $572K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 953 | $572K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,329 | $8.2M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 953 | $572K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,329 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.