| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 12.64% |
| EMERSON REID LLC3 | 5200 N PALM AVENUE SUITE 114 FRESNO, CA 93704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 6.32% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALTMAN ROAD SUITE 310 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 5.90% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CIRCLE II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 3.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 1.33% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | — | $2K | 6.20% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10118 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $1K | — | $1K | 4.14% |
| EMERSON REID LLC3 | 5200 N PALM AVENUE SUITE 114 FRESNO, CA 93704 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $603 | — | $603 | 1.70% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $286 | — | $286 | 10.65% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $58 | — | $58 | 2.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $36 | — | $36 | 1.34% |
| STRATEGIC VOLUNTARY BENEFIT SERVICE3 Filed as: STRATEGIC VOLUNTARY BENEFIT SVCS IN | 46 BUFFALO HOLLOW ROAD BRANCHBURG, NJ 08876 | AFLAC | $36 | — | $36 | 4.18% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 205 OLD TOWN ROAD STATEN ISLAND, NY 10305 | AFLAC | $32 | — | $32 | 3.72% |
| CARL D. PUMA3 Filed as: CARL D PUMA | 2 TELEPORT DRIVE SUITE 206 CORPORATE COMMONS TWO STATEN ISLAND, NY 10311 | AFLAC | $24 | — | $24 | 2.79% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $16 | — | $16 | 1.86% |
| EMERSON REID LLC3 | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 074071361 | UNITEDHEALTHCARE INSURANCE COMPANY | $48 | $423 | $471 | — |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II AI39 ELMWOOD PARK, NJ 074071361 | UNITEDHEALTHCARE INSURANCE COMPANY | $96 | — | $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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $191K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 145 | $82K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 145 | $82K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 142 | $3K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 170 | $35K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 142 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.