| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMPART BENEFIT PLANNING INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 7.44% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 1.58% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK, LLC | 1983 MARCUS AVENUE SUITE C130 NEW HYDE PARK, NY 11042 | KAISER FOUNDATION HEALTH PLAN INC | -$36K | — | -$36K | -9.86% |
| 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% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $868 | $3K | 9.06% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $6K | 21.20% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 18.03% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK, LLC | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 6.14% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 798 BERRY ROAD NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $321 | — | $321 | 1.80% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK, LLC DBA | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.42% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING, INC. | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $318 | — | $318 | 2.26% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK, LL | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $64 | $1K | 14.38% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $680 | $453 | $1K | 21.88% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 97 | $953K |
| Dental | SOLSTICE HEALTH INSURANCE COMPANY | 160 | $116K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 281 | $14K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 188 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $26K |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 188 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
No prospect flags tripped on this filing.