| 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. | $210K | $0 | $210K | 4.31% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CTR. II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.98% |
| GENATT V LLC3 | 3333 NEW HYDE PARK RD. SUITE 400 NEW HYDE PARK, NY 11042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.98% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| GENATT V LLC3 | 3333 NEW HYDE PARK RD. NEW HYDE PARK, NY 11042 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.67% |
| GENATT V LLC3 | 3333 NEW HYDE PARK RD. SUITE 400 NEW HYDE PARK, NY 11042 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 340 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 456 | $4.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $214K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 291 | $13K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 405 | $135K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 405 | $135K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 405 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.