| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMPART INSURANCE SERVICES3 | 1055 RXR PLAZA UNIONDALE, NY 11556 | GERBER LIFE INSURANCE | $48K | — | $48K | 19.02% |
| NORTHWELL DIRECT3 | P.O. BOX 412850 BOSTON, MA 02241 | GERBER LIFE INSURANCE | $34K | — | $34K | 13.71% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLZ. UNIONDALE, NY 11556 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 4.96% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY E VEVA 16 #320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 3.97% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLZ. UNIONDALE, NY 11556 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $7K | $2K | $9K | 12.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II, #305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 3.47% |
| EMERSON REID LLC3 | 1787 SENTRY PWY E VEVA 16 #320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 1.85% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLZ. UNIONDALE, NY 11556 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | $1K | $4K | 12.45% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II, #305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 3.33% |
| EMERSON REID LLC3 | 1787 SENTRY PWY E VEVA 16 #320 BLUE BELL, MA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $649 | $649 | 1.82% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLZ. UNIONDALE, NY 11556 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLZ. UNIONDALE, NY 11556 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $231 | $87 | $318 | 11.58% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II, #305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $91 | $91 | 3.32% |
| EMERSON REID LLC3 | 1787 SENTRY PWY E VEVA 16 #320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $50 | $50 | 1.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERNATIONAL BENEFITS ADMIN. EIN 11-3293162 THIRD PARTY ADMINISTRATO | Claims processing; Contract Administrator Service code 12 | — | $57K |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | 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 |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $174K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $14K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 184 | $36K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 166 | $73K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE | 260 | $250K |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 184 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.