| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | OXFORD HEALTH INSURANCE INC. | $67K | $0 | $67K | 4.34% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, LLC | 669 RIVER DRIVE CENTER II, SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE INC. | $0 | $29K | $29K | 1.91% |
| NORTH SHORE-LIJ CARECONNECT INS AGE3 Filed as: NORTH SHORE-LIJ CARECONNECT INS. | 2200 NOTHERN BOULEVARD EAST HILLS, NY 11548 | OXFORD HEALTH INSURANCE INC. | $0 | $75 | $75 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, LLC | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 10.69% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, LLC | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $2K | $3K | 20.21% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, LLC | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $782 | $806 | $2K | 20.32% |
| DEWITT STERN GROUP PLANNING SERVICE3 Filed as: DEWITT STERN GROUP PLANNING SVCS. | 420 LEXINGTON AVENUE, ROOM 2700 NEW YORK, NY 10170 | UNITEDHEALTHCARE INSURANCE COMPANY | $571 | $0 | $571 | 9.17% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC. | 279 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $110K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 85 | $6K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 180 | $8K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 181 | $17K |
| Prescription drug | OXFORD HEALTH INSURANCE INC. | 279 | $1.5M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 181 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.