| 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. | $38K | $0 | $38K | 2.45% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD STE 310 MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC. | $0 | $17K | $17K | 1.13% |
| 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 | 25.72% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVE. STE 602 NEW YORK, NY 100162303 | COMPANION LIFE INSURANCE COMPANY | $1K | $1K | $3K | 20.71% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 1060 FEDERAL ST. FL 2 BOSTON, MA 021101700 | VISION SERVICE PLAN | $439 | $0 | $439 | 7.20% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVE. STE 602 NEW YORK, NY 100162303 | MUTUAL OF OMAHA INSURANCE COMPANY | $192 | $206 | $398 | 20.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE DIFFERENCE CARD NONE | Claims processing; Contract Administrator Service code 12 | 245 MAIN STREET 6TH FL WHITE PLAINS, NY 10606 | $13K |
| BENEFIT RESOURCE, LLC NONE | Claims processing; Contract Administrator Service code 12 | 245 KENNETH DRIVE ROCHESTER, NY 14623 | $5 |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 192 | $1.5M |
| Vision | VISION SERVICE PLAN | 49 | $6K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 123 | $15K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 100 | $22K |
| Other(2 contracts, 2 carriers) | CORPORATE COUNSELING ASSOCIATES, INC. | 150 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.