| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PUMA LAURIA PLANNING SERVICES, LLC3 | CORPORATE COMMONS TWO 2 TELEPORT DRIVE, SUITE 206 STATEN ISLAND, NY 10311 | OXFORD HEALTH INSURANCE, INC. | $19K | $0 | $19K | 2.27% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | $0 | $19K | $19K | 2.22% |
| CARL D. PUMA3 Filed as: CARL PUMA AGENCY | CORPORATE COMMONS TWO 2 TELEPORT DRIVE, SUITE 206 STATEN ISLAND, NY 10311 | OXFORD HEALTH INSURANCE, INC. | $11K | $0 | $11K | 1.35% |
| MY BENEFIT ADVISORS LLC3 Filed as: MY BENEFIT ADVISORS, LLC | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | $3K | $0 | $3K | 0.31% |
| CARL D. PUMA3 Filed as: CARL PUMA AGENCY INC | 2 TELEPORT DRIVE, SUITE 206 STATEN ISLAND, NY 10311 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 6.45% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | SUN LIFE AND HEALTH INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| MY BENEFIT ADVISOR LLC3 | 659 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | SUN LIFE AND HEALTH INSURANCE COMPANY | $424 | $0 | $424 | 1.36% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 26.60% |
| CARL D. PUMA3 | 2 TELEPORT DRIVE SUITE 206 STATEN ISLAND, NY 10311 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 13.59% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $939 | $0 | $939 | 8.44% |
| MY BENEFIT ADVISORS LLC3 Filed as: MY BENEFIT ADVISORS, LLC | 669 RIVER DRIVE, SUITE 305 CENTER II ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $90 | $0 | $90 | 0.81% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 138 | $929K |
| Dental(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 136 | $102K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 136 | $102K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $11K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 146 | $31K |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 138 | $929K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.