| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C&M FIRST SERVICES, INC.3 Filed as: C AND M FIRST SERVICES, INC. | 1560 BROADWAY, SUITE 800 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $496K | $0 | $496K | 3.00% |
| EKA BROKERAGE SERVICES, INC.3 Filed as: EKA PLANNING SERVICES, INC. | 157 EAST MAIN STREET, SUITE 100 HUNTINGTON, NY 11743 | AETNA DENTAL INC | $10K | $0 | $10K | 8.66% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA DENTAL INC | $5K | $0 | $5K | 4.33% |
| EKA BROKERAGE SERVICES, INC.3 | 157 EAST MAIN STREET, SUITE 100 HUNTINGTON, NY 11743 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 10.89% |
| MASS MUTUAL FINANCIAL GROUP3 Filed as: MASSMUTUAL FINANCIAL GROUP | 764 EAST WINCHESTER STREET SUITE 140 MURRAY, UT 84107 | METROPOLITAN LIFE INSURANCE COMPANY | $102 | $0 | $102 | 1.32% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $16.5M |
| Dental | AETNA DENTAL INC | 214 | $115K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 195 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 98 | $8K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $16.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 98 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.