| 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 PLANS NY, INC. | $79K | $0 | $79K | 3.68% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 669 RIVER DRIVE, SUITE 305 ELMWOOD, NJ 07407 | OXFORD HEALTH PLANS NY, INC. | $0 | $33K | $33K | 1.56% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 11.75% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $2K | $4K | 21.28% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $963 | $1K | $2K | 20.86% |
| DEWITT STERN GROUP PLANNING SERVICE3 Filed as: DEWITT STERN GROUP PLANNING SVCES. | 420 LEXINGTON AVENUE, ROOM 2700 NEW YORK, NY 10170 | UNITEDHEALTHCARE INSURANCE COMPANY | $876 | $0 | $876 | 10.62% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH PLANS NY, INC. | 315 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $130K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 121 | $8K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 223 | $30K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 223 | $20K |
| Prescription drug | OXFORD HEALTH PLANS NY, INC. | 315 | $2.1M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 223 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.