| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 8.71% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING, INC. | 1983 MARCUS AVENUE SUITE C130 NEW HYDE PARK, NY 11042 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 4.84% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING, INC. | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | SOLSTICE HEALTH INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING, INC. | 1983 MARCUS AVENUE SUITE C130 NEW HYDE PARK, NY 11042 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 2.19% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $573 | $2K | 7.94% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BNFT PLANNING INC | 1983 MARCUS AVENUE # C130 LAKE SUCCESS, NY 11042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.69% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $529 | $2K | 7.89% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BNFT PLANNING INC | 1983 MARCUS AVENUE # C130 LAKE SUCCESS, NY 11042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $867 | — | $867 | 3.99% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BNFT PLANNING INC | 1983 MARCUS AVENUE # C130 LAKE SUCCESS, NJ 11042 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 8.81% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $242 | $75 | $317 | 1.72% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING, INC. | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.03% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $281 | $117 | $398 | 8.28% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BNFT PLANNING INC | 1983 MARCUS AVENUE # C130 LAKE SUCCESS, NC 11042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $356 | — | $356 | 7.40% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | FIRST UNUM LIFE INSURANCE COMPANY | $754 | $38 | $792 | 17.19% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 87 | $1.0M |
| Dental | SOLSTICE HEALTH INSURANCE COMPANY | 125 | $115K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 135 | $13K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $24K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 152 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.