| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE JERICHO PLAZA, SUITE 200 JERICHO, NY 11753 | OXFORD HEALTH INSURANCE, INC. | $76K | $0 | $76K | 2.53% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EB EMPLOYEE SOLUTIONS, LLC | 245 MAIN STREET, SUITE 605 WHITE PLAINS, NY 10601 | OXFORD HEALTH INSURANCE, INC. | $28K | $0 | $28K | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE JERICHO PLAZA, SUITE 200 JERICHO, NY 11753 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 4.23% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $6K | $3K | $10K | 8.72% |
| COLANGELO GROUP, INC.3 | 140 OVERLOOK ROAD NEW ROCHELLE, NY 10804 | COMPANION LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.19% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $3K | $10K | 8.75% |
| COLANGELO GROUP, INC.3 | 140 OVERLOOK ROAD NEW ROCHELLE, NY 10804 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $0 | $5K | 4.17% |
| ANTHONY ORGERA3 Filed as: ANTHONY R. ORGERA AND OTHER AGENTS | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $3K | $22 | $3K | 4.79% |
| KENNETH REY VIOLA3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $3K | $32 | $3K | 4.42% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $2K | $32 | $2K | 2.92% |
| ARAM HAGOP TCHOBANIAN3 | 576 PACIFIC STREET, SUITE 3 BROOKLYN, NY 11217 | AFLAC | $1K | $0 | $1K | 2.03% |
| MAURICE LYONS3 | 301 MADISON AVENUE, 4TH FLOOR NEW YORK, NY 10017 | AFLAC | $618 | $0 | $618 | 0.87% |
| TERI-ANN PHILLIP3 | 525 WEST 28TH STREET, APARTMENT 539 NEW YORK, NY 10001 | AFLAC | $558 | $3 | $561 | 0.79% |
| ERIC PEREZ3 | 908 ASHFORD STREET, APARTMENT 6E BROOKLYN, NY 11207 | AFLAC | $466 | $93 | $559 | 0.79% |
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 | 692 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 321 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 215 | $146K |
| Vision | AFLAC | 83 | $71K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 753 | $182K |
| Short-term disability | AFLAC | 83 | $71K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 101 | $111K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 321 | $3.0M |
| Other | AFLAC | 83 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 753 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.