| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 3333 NEW HYDE PARK RD NEW HYDE PARK, NY 110421204 | UNITEDHEALTHCARE INSURANCE COMPANY | $187K | $0 | $187K | 3.82% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $0 | $37K | 0.76% |
| GENATT V LLC3 | 3333 NEW HYDE PARK RD. STE 400 NEW HYDE PARK, NY 110421205 | UNITEDHEALTHCARE INSURANCE COMPANY | -$486 | $0 | -$486 | -0.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.98% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1540 CORNERSTONE BLVD STE 230 DAYTONA BEACH, FL 32117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.98% |
| GENATT V LLC3 | 3333 NEW HYDE PARK RD. STE 400 NEW HYDE PARK, NY 11042 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.34% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY, VEVA 16 STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| FOUNDATION RISK PARTNERS CORP3 | 3333 NEW HYDE PARK RD NEW HYDE PARK, NY 11042 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 21.06% |
| GENATT V LLC3 | 3333 NEW HYDE PARK RD. SUITE 400 NEW HYDE PARK, NY 11042 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2 | $0 | -$2 | -0.04% |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 422 | $4.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 226 | $180K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 260 | $5K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 347 | $109K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 347 | $109K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 347 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.