| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $123K | $123K | 2.46% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | $2K | $23K | 0.45% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | $1K | $22K | 0.44% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING, INC. | 50 BROADWAY, 2ND FLOOR HAWTHORNE, NY 10532 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $21K | $21K | 0.42% |
| THE CAMPS GROUP LLC3 | UNKNOWN NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$241 | $0 | -$241 | -0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $26K | $26K | 3.96% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | WESCO INSURANCE COMPANY | $6K | $0 | $6K | 3.74% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 EARLE OVINGTON BLVD. SUITE 700 UNIONDALE, NY 11553 | WESCO INSURANCE COMPANY | $6K | $0 | $6K | 3.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $7K | $0 | $7K | 6.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $7K | $0 | $7K | 6.13% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING | 50 BROADWAY, 2ND FLOOR HAWTHORNE, NY 10532 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $6K | $6K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | FEDERAL INSURANCE COMPANY | $0 | $84 | $84 | 2.07% |
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 | 2,646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 329 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,975 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 689 | $5.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 756 | $666K |
| Vision | EYEMED VISION CARE | 862 | $57K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 873 | $115K |
| Short-term disability | WESCO INSURANCE COMPANY | 2,619 | $170K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 873 | $115K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 689 | $5.0M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 2,663 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,663 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.