| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HART AND KEENAN3 Filed as: HART AND KEENAN CO, INC. | 360 DELAWARE AVENUE #350 BUFFALO, NY 14202 | SECURITY HEALTH INSURANCE COMPANY OF AMERICA, NY, INC. | $7K | — | $7K | 4.00% |
| HART AND KEENAN3 Filed as: HART AND KEENAN CO, INC. | 360 DELAWARE AVENUE #350 BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | $1K | $5K | 5.70% |
| EMERSON REID LLC3 | 261 MADISON AVE, SUITE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | 3.74% |
| HART AND KEENAN3 Filed as: HART AND KEENAN CO, INC. | 360 DELAWARE AVENUE #350 BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $550 | $4K | 8.43% |
| EMERSON REID LLC3 | 261 MADISON AVE, SUITE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $2K | $2K | 3.74% |
| HART AND KEENAN3 Filed as: HART AND KEENAN CO, INC. | 360 DELAWARE AVENUE #350 BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $301 | $4K | 12.70% |
| EMERSON REID LLC3 | 261 MADISON AVE, SUITE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $1K | $1K | 3.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN RD #310 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $1K | $5K | 20.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN RD #310 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $320 | $799 | $1K | 7.00% |
| HART AND KEENAN3 Filed as: HART AND KEENAN CO, INC. | 360 DELAWARE AVENUE #350 BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $60 | $1K | 10.48% |
| EMERSON REID LLC3 | 261 MADISON AVE, SUITE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $575 | $575 | 4.53% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN RD #310 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $756 | $610 | $1K | 11.20% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN RD #310 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $499 | $341 | $840 | 12.32% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN RD #310 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $492 | — | $492 | 10.31% |
| HART AND KEENAN3 Filed as: HART AND KEENAN CO, INC. | 360 DELAWARE AVENUE #350 BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $447 | $37 | $484 | 16.24% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 261 MADISON AVE, SUITE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $112 | $112 | 3.76% |
| EMERSON REID LLC3 | 470 PARK AVE SOUTH, SIXTH FL S NEW YORK, NY 10016 | HARTFORD LIFE INSURANCE CO. | $447 | $84 | $531 | 19.72% |
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 | 441 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SECURITY HEALTH INSURANCE COMPANY OF AMERICA, NY, INC. | 223 | $187K |
| Life insurance(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 441 | $119K |
| Short-term disability(5 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 392 | $80K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 441 | $42K |
| Prescription drug | HEALTHNOW NEW YORK, INC DBA BCBS OF WESTERN NY | 764 | $3.1M |
| Other(3 contracts, 3 carriers) | HEALTHNOW NEW YORK, INC DBA BCBS OF WESTERN NY | 764 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 764 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.