| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC | $86K | — | $86K | 4.35% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC | — | $34K | $34K | 1.73% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 3.89% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 3.42% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 659 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $7K | — | $7K | 7.27% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | — | $4K | $4K | 4.63% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | — | $2K | $2K | 2.34% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 12.00% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 339 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 333 | $129K |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 209 | $28K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 196 | $96K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 209 | $28K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 196 | $96K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 339 | $2.0M |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 196 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.