| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIGNATURE BENEFITS LLC3 Filed as: THE SIGNATURE GROUP LLC | 950 FRANKLIN AVE GARDEN CITY, NY 11530 | OXFORD HEALTH INSURANCE, INC. | $28K | — | $28K | 4.51% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | $0 | $11K | $11K | 1.75% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 5.00% |
| SIGNATURE BENEFITS LLC3 Filed as: SIGNATURE GROUP LLC | 950 FRANKLIN AVE GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 2.11% |
| TSG FINANCIAL LLC3 Filed as: TSG FINANCIAL | 1325 FRANKLIN AVENUE SUITE 540 GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 1.35% |
| TSG FINANCIAL LLC3 | 1325 FRANKLIN AVE SUITE 540 GARDEN CITY, NY 11530 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $16K | — | $16K | 10.83% |
| JOSEPH F SPARACIO3 | 9830 E GRANITE PEAK TRL SCOTTSDALE, AZ 85262 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $130 | $0 | $130 | 0.09% |
| BRAD SOMMA3 | 48 S SERVICE ROAD SUITE 400 MELVILLE, NY 11747 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $5 | $5 | 0.00% |
| SIGNATURE BENEFITS LLC3 Filed as: SIGNATURE GROUP LLC | 950 FRANKLIN AVE GARDEN CITY, NY 11530 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 10.28% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $0 | $2K | $2K | 5.02% |
| TSG FINANCIAL LLC3 | 1325 FRANKLIN AVENUE GARDEN CITY, NY 11530 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 4.76% |
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 | 569 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 683 | $871K |
| Life insurance | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 62 | $33K |
| Long-term disability | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 60 | $148K |
| Other | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 62 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.