| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $3K | — | $3K | 1.07% |
| KUVEKE BENEFITS LLC3 | 15 RIVER ROAD SUITE 15B WILTON, CT 06897 | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILILATES | $6K | — | $6K | 6.92% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILILATES | — | -$2 | -$2 | -0.00% |
| KUVEKE BENEFITS LLC3 | 158 DANBURY ROAD SUITE 8 RIDGEFIELD, CT 06877 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $732 | — | $732 | 11.72% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $65 | — | $65 | 1.04% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVEENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $197 | $197 | 17.72% |
| CRYSTAL & COMPANY3 Filed as: CRYSTAL & CO | 17TH FLOOR 32 OLD SLIP NEW YORK, NY 10005 | HARTFORD LIFE AND ACCIDENT | $167 | — | $167 | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KUVEKE BENEFITS LLC EIN 59-1031071 BROKER | Insurance agents and brokers Service code 22 | 15 RIVER RD SUITE 15B WILTON, CT 06877 | $35K |
| BRIAN ROSOFF BROKER | Insurance agents and brokers Service code 22 | 160 LITTLETON RD SUITE 301 PARSIPANNY, NJ 07054 | $29K |
| EMERSON REID & COMPANY INC BROKER | Insurance agents and brokers Service code 22 | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | $17K |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 160 | $242K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILILATES | 158 | $93K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $6K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.