| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC4 | 669 RIVER DR STE 305 CENTER II ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | — | $19K | $19K | 0.78% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 669 RIVER DR STE 305 CENTER II ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | $7K | — | $7K | 0.31% |
| CORPORATE CARE INTERNATIONAL3 Filed as: CORPORATE CARE INTERNATIONAL, INC. | 2975 WESTCHESTER AVENUE, STE 403 PURCHASE, NY 10577 | OXFORD HEALTH INSURANCE, INC. | -$208 | — | -$208 | -0.01% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | UNITED HEALTH CARE INSURANCE COMPANY | $9K | $9K | $18K | 9.51% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 669 RIVER DR STE 305 CENTER II ELMWOOD PARK, NJ 07407 | UNITED HEALTH CARE INSURANCE COMPANY | -$36 | — | -$36 | -0.02% |
| CORPORATE CARE INTERNATIONAL3 Filed as: CORPORATE CARE INTERNATIONAL, INC. | 2975 WESTCHESTER AVENUE, STE 403 PURCHASE, NY 10577 | FIRST UNUM LIFE INSURANCE | $1K | — | $1K | 4.96% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE | $3K | — | $3K | 20.00% |
| EMERSON REID LLC3 | 167 ARCHER RD FACTORYVILLE, PA 18419 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $508 | $148 | $656 | 6.46% |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 263 | $2.6M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $10K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE | 152 | $107K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE | 164 | $33K |
| Long-term disability | FIRST UNUM LIFE INSURANCE | 152 | $90K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE | 152 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.