| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE JERICHO PLAZA, SUITE 200 JERICHO, NY 11753 | UNITEDHEALTHCARE INSURANCE COMPANY | $72K | $0 | $72K | 2.78% |
| EBES3 | 245 MAIN STREET, SUITE 605 WHITE PLAINS, NY 10601 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 1.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $10K | $13K | $23K | 22.63% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $10K | $13K | $23K | 22.69% |
| KENNETH REY VIOLA3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $3K | $70 | $3K | 4.84% |
| TODD BURKE3 Filed as: TODD J. BURKE CORP AND OTHER AGENTS | 401 EAST 80TH STREET, APARTMENT 6J NEW YORK, NY 10075 | AFLAC | $2K | $35 | $3K | 3.83% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $2K | $70 | $2K | 3.13% |
| ARAM HAGOP TCHOBANIAN3 | 576 PACIFIC STREET, SUITE 3 BROOKLYN, NY 11217 | AFLAC | $2K | $104 | $2K | 2.60% |
| ERIC PEREZ3 | 908 ASHFORD STREET, APARTMENT 6E BROOKLYN, NY 11207 | AFLAC | $593 | $17 | $610 | 0.93% |
| MAURICE LYONS3 | 301 MADISON AVENUE, 4TH FLOOR NEW YORK, NY 10017 | AFLAC | $479 | $0 | $479 | 0.73% |
| TERI-ANN PHILLIP3 | 525 WEST 28TH STREET, APARTMENT 539 NEW YORK, NY 10001 | AFLAC | $404 | $49 | $453 | 0.69% |
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 | 653 | 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) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 168 | $93K |
| Vision | AFLAC | 78 | $66K |
| Life insurance(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 653 | $269K |
| Short-term disability | AFLAC | 78 | $66K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 653 | $102K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $2.6M |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 653 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.