| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1 JERICHO PLAZA, SUITE 200 JERICHO, NY 11753 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | $0 | $43K | 1.79% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $0 | $32K | 1.34% |
| EBES3 | 245 MAIN STREET, SUITE 605 WHITE PLAINS, NY 10601 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $688 | $4K | 3.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 2.04% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $7K | $12K | $19K | 20.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.32% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $7K | $12K | $19K | 20.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 2.33% |
| KENNETH REY VIOLA3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $4K | $10 | $4K | 8.91% |
| MJ INSURANCE3 Filed as: JENNIFER VIOLA AND VARIOUS AGENTS | 609 WEST 232ND STREET, 3RD FLOOR BRONX, NY 10463 | AFLAC | $2K | $0 | $2K | 3.99% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $2K | $5 | $2K | 3.67% |
| CHRISTOPHER RIMEL3 Filed as: CHRISTOPHER JOHN RIMEL | 132 DEGRAW STREET, SUITE 3 BROOKLYN, NY 11231 | AFLAC | $1K | $0 | $1K | 2.58% |
| ERIC PEREZ3 | 908 ASHFORD STREET, SUITE 6E BROOKLYN, NY 11207 | AFLAC | $925 | $0 | $925 | 1.91% |
| ARAM HAGOP TCHOBANIAN3 | 576 PACIFIC STREET, SUITE 3 BROOKLYN, NY 11217 | AFLAC | $407 | $15 | $422 | 0.87% |
| MAURICE LYONS3 | 2778 SOUTH OCEAN BOULEVARD SUITE 204 SOUTH PALM BEACH, FL 33480 | AFLAC | $319 | $0 | $319 | 0.66% |
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 | 606 | 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) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 161 | $97K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $2.4M |
| Life insurance(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 606 | $237K |
| Short-term disability | AFLAC | 54 | $48K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 606 | $93K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $2.4M |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 606 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.