| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 261 MADISON AVE, SUITE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $7K | $7K | 5.00% |
| 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 | $2K | $7K | 4.79% |
| 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. | $4K | — | $4K | 4.68% |
| 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 | 7.13% |
| EMERSON REID LLC3 | 261 MADISON AVE, SUITE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | 5.00% |
| HART AND KEENAN3 Filed as: HART AND KEENAN CO, INC. | 360 DELAWARE AVENUE #350 BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $1K | $6K | 9.90% |
| EMERSON REID LLC3 | 261 MADISON AVE, SUITE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | 5.00% |
| HART AND KEENAN Filed as: HART AND KEENAN CO, INC. | 360 DELAWARE AVENUE #350 BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 4.00% |
| HART AND KEENAN Filed as: HART AND KEENAN CO, INC. | 360 DELAWARE AVENUE #350 BUFFALO, NY 14202 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | $2K | $303 | $2K | 11.16% |
| EMERSON REID LLC3 | 261 MADISON AVE, SUITE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $889 | $889 | 5.00% |
| HART AND KEENAN3 Filed as: HART AND KEENAN CO, INC. | 360 DELAWARE AVENUE #350 BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $693 | $78 | $771 | 16.70% |
| 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 | — | $231 | $231 | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | HARTFORD LIFE INSURANCE CO. | $381 | — | $381 | 13.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVE SOUTH, FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE INSURANCE CO. | — | $40 | $40 | 1.43% |
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 | 454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | SECURITY HEALTH INSURANCE COMPANY OF AMERICA, NY, INC. | 223 | $182K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 454 | $136K |
| Short-term disability(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 404 | $89K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 454 | $62K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NY | 752 | $3.4M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NY | 752 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.