| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEE J. SLAVUTIN3 Filed as: LEE SLAVUTIN | 530 5TH AVENUE 14TH FLOOR NEW YORK, NY 10036 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $69K | — | $69K | 5.21% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $68K | — | $68K | 5.09% |
| SCOTT LAFFIE3 | 6800 JERICHO TURNPIKE SUITE 220W SYOSSET, NY 11791 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $32K | — | $32K | 2.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL OF NEW YORK | $50K | — | $50K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210 N HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $25K | $9K | $33K | 3.37% |
| FREDRIC J LAFFIE3 | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 11791 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | — | $12K | 1.25% |
| LEE J. SLAVUTIN3 Filed as: LEE J SLAVUTIN | 530 FIFTH AVENUE 14TH FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | — | $12K | 1.25% |
| EMERSON REID LLC3 | 5200 N PALM AVENUE SUITE 114 FRESNO, CA 93704 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $23K | — | $23K | 5.51% |
| FREDRIC J LAFFIE3 Filed as: FREDRIC LAFFIE | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 11791 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $13K | — | $13K | 3.03% |
| DEBRA C. SLAVUTIN3 Filed as: DEBRA C SLAVUTIN | 530 5TH AVENUE 12TH FLOOR NEW YORK, NY 10036 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $13K | — | $13K | 3.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 5.00% |
| WELLS FARGO INSURANCE SERVICES3 | 330 MADISON AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE INSURANCE | $7K | — | $7K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE INSURANCE | — | $4K | $4K | 12.00% |
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 | 1,367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 2,589 | $791K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 1,502 | $1.1M |
| Vision | VISION SERVICE PLAN | 738 | $177K |
| Life insurance(2 contracts) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,367 | $1.7M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,302 | $983K |
| Other(2 contracts, 2 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,367 | $455K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,589 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.