| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | AETNA LIFE INSURANCE COMPANY | $70K | $13K | $83K | 3.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $9K | $7K | $16K | 17.83% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | $7K | $15K | 18.13% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| KENNETH REY VIOLA3 Filed as: KENNETH VIOLA | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $2K | $193 | $2K | 4.82% |
| MJ INSURANCE3 Filed as: TODD BURKE & VARIOUS AGENTS | 199 WATER STREET, 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $2K | $91 | $2K | 3.74% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $1K | $77 | $1K | 3.04% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | AFLAC | $687 | $0 | $687 | 1.50% |
| DYMOND INC3 | 562 WEST END AVENUE, SUITE 4DE NEW YORK, NY 10024 | AFLAC | $409 | $0 | $409 | 0.89% |
| MAURICE LYONS3 | 2778 SOUTH OCEAN BOULEVARD SUITE 204 PALM BEACH, FL 33480 | AFLAC | $305 | $0 | $305 | 0.67% |
| CHRISTOPHER RIMEL3 | 132 DEGRAW STREET, SUITE 3 BROOKLYN, NY 11231 | AFLAC | $267 | $24 | $291 | 0.64% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $0 | $978 | $978 | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $925 | $925 | 5.00% |
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 | 559 | 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) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 245 | $2.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 245 | $2.4M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 245 | $2.4M |
| Life insurance(5 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 581 | $252K |
| Short-term disability | AFLAC | 42 | $46K |
| Long-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 581 | $99K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 245 | $2.4M |
| Other(5 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 581 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.