| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PUMA LAURIA PLANNING SERVICES, LLC3 | 2 TELEPORT DRIVE, SUITE 206 STATEN ISLAND, NY 10311 | OXFORD HEALTH INSURANCE, INC | $37K | $0 | $37K | 4.07% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMANY LLC | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC | $0 | $23K | $23K | 2.46% |
| EMERSON REID LLC3 Filed as: EMERSONN REID LLC | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEATHCARE INSURANCE COMPANY | $3K | $2K | $6K | 8.31% |
| CARL D. PUMA3 Filed as: CARL D PUMA | 2 TELEPORT DR STE 206 STATEN ISLAND, NY 10311 | UNITEDHEATHCARE INSURANCE COMPANY | $4K | $0 | $4K | 6.05% |
| CARL D. PUMA3 Filed as: CARL PUMA AGENCY INC | 2 TELEPORT DR SUITE 206 STATEN ISLAND, NY 10311 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | $0 | $2K | 8.03% |
| EMERSON REID LLC3 | 261 MADISON AVE SUITE 602 NEW YORK, NY 10016 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $1K | $0 | $1K | 5.00% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $538 | $358 | $896 | 12.51% |
| KEITH DOWNS3 | 303 W ERIE ST SUITE 400 CHICAGO, IL 60654 | AFLAC | $670 | $113 | $783 | 18.34% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA | 14 WALL ST SUITE 8C NEW YORK, NY 10005 | AFLAC | $260 | $48 | $308 | 7.21% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 W ERIE ST SUITE 400 CHICAGO, IL 60654 | AFLAC | $91 | $19 | $110 | 2.58% |
| DAVID A BURKHARDT3 Filed as: DAVID BURKHARDT | 46 BUFFALO HOLLOW RD BRANCHBURG, NJ 08876 | AFLAC | $446 | $137 | $583 | 17.23% |
| CARL D. PUMA3 Filed as: CARL D PUMA | CORPORATE COMMONS TWO 2 TELEPORT DR, SUITE 206 STATEN ISLAND, NY 10311 | AFLAC | $298 | $0 | $298 | 8.81% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 35 PRESTON AVE STATEN ISLAND, NY 10312 | AFLAC | $170 | $27 | $197 | 5.82% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $120 | $27 | $147 | 4.35% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 205 OLD TOWN RD STATEN ISLAND, NY 10305 | AFLAC | $42 | $0 | $42 | 1.24% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 136 | $923K |
| Dental(2 contracts, 2 carriers) | UNITEDHEATHCARE INSURANCE COMPANY | 134 | $74K |
| Vision(2 contracts, 2 carriers) | UNITEDHEATHCARE INSURANCE COMPANY | 134 | $74K |
| Life insurance | UNITEDHEATHCARE INSURANCE COMPANY | 134 | $68K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 138 | $36K |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 136 | $923K |
| Other(2 contracts) | AFLAC | 4 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
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.