| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 669 RIVER DRICE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | $2K | $5K | 10.93% |
| COHEN HIRAM AND SON, INC.3 | 486 WILLIS AVENUE WILLISTON PARK, NY 11596 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $0 | $0 | 0.00% |
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN & SON INC. | 486 WILLIS AVENUE WILLISTON PARK, NY 11596 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $116K | $124K | 1519.90% |
| 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 | $56K | $56K | 692.92% |
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN & SON | 486 WILLIS AVE. WILLISTON PARK, NY 11596 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $651 | $0 | $651 | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC | 1787 SENTRY PKWY W, VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $0 | $325 | $325 | 4.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK | 486 WILLIS AVENUE WILLISTON PARK, NY 11596 | FEDERAL INSURANCE COMPANY | $735 | $10 | $745 | 15.20% |
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN & SON | 486 WILLIS AVE. WILLISTON PARK, NY 11596 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $163 | $0 | $163 | 10.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC | 1787 SENTRY PKWY W, VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $0 | $81 | $81 | 4.98% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 117 | $10K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 117 | $15K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 117 | $8K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 149 | $50K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 149 | $50K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 149 | $50K |
| Other(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 149 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.