| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENATT V LLC3 | 3333 NEW HYDE PARK RD. NEW HYDE PARK, NY 11042 | OXFORD HEALTH INSURANCE, INC. | $109K | $0 | $109K | 3.26% |
| KSL ASSOCIATES3 | 3333 NEW HYDE PARK RD. NEW HYDE PARK, NY 11042 | OXFORD HEALTH INSURANCE, INC. | $35K | $0 | $35K | 1.06% |
| KSL ASSOCIATES3 | 3333 NEW HYDE PARK ROAD SUITE 400 NEW HYDE PARK, NY 11042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.97% |
| KEVIN D GRAHAM3 Filed as: KEVIN D. GRAHAM | 3333 NEW HYDE PARK RD. SUITE 400 NEW HYDE PARK, NY 11042 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.93% |
| GENATT V LLC3 | 3333 NEW HYDE PARK RD. NEW HYDE PARK, NY 11042 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.42% |
| EMERSON REID LLC3 | 401 BROADWAY SUITE 912 NEW YORK, NH 10013 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. INS. | 1305 WALT WHITMAN RD. SUITE 310 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $285 | $1K | $2K | 6.00% |
| GENATT V LLC3 | 3333 NEW HYDE PARK RD. SUITE 400 NEW HYDE PARK, NY 11042 | UNITEDHEALTHCARE INSURANCE COMPANY | $705 | $0 | $705 | 7.38% |
| KSL ASSOCIATES3 | 3333 NEW HYDE PARK RD NEW HYDE PARK, NY 11042 | UNITEDHEALTHCARE INSURANCE COMPANY | $234 | $0 | $234 | 2.45% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. INC. | 1305 WALT WITMAN RD. SUITE 310 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $329 | $150 | $479 | 16.00% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 436 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $173K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 213 | $10K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 358 | $69K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 358 | $95K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 358 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.