| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | OXFORD HEALTH INSURANCE, INC. | $39K | $0 | $39K | 2.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | $0 | $17K | $17K | 1.12% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVE. STE 602 NEW YORK, NY 100162303 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $3K | $6K | 24.73% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVE. STE 602 NEW YORK, NY 100162303 | COMPANION LIFE INSURANCE COMPANY | $1K | $2K | $3K | 21.40% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 1060 FEDERAL ST. FL 2 BOSTON, MA 021101700 | VISION SERVICE PLAN | $298 | $0 | $298 | 9.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVE. STE 602 NEW YORK, NY 100162303 | MUTUAL OF OMAHA INSURANCE COMPANY | $190 | $216 | $406 | 21.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE DIFFERENCE CARD NONE | Contract Administrator; Claims processing Service code 12 | 245 MAIN STREET 6TH FL WHITE PLAINS, NY 10606 | $24K |
| CCA, INC EIN 13-3402780 NONE | Contract Administrator Service code 13 | — | $8K |
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 | 110 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 182 | $1.6M |
| Vision | VISION SERVICE PLAN | 47 | $3K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 117 | $15K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 100 | $23K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 117 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.