| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: NORTHEAST, INC USI | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | EMBLEMHEALTH | $36K | — | $36K | 3.85% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | EMPIRE BLUE CROSS BLUE SHIELD | $2K | — | $2K | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 100162303 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $3K | $6K | 23.93% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | WESCO INSURANCE COMPANY | $3K | — | $3K | 16.96% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 106 | $939K |
| Dental | EMPIRE BLUE CROSS BLUE SHIELD | 54 | $34K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 127 | $25K |
| Short-term disability | WESCO INSURANCE COMPANY | 166 | $15K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 127 | $25K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 127 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.