| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NJ 11556 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $122K | $126K | 3.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, NJ 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $0 | $32K | 1.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.04% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $23K | $46K | 20.16% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK ROAD SUITE 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.04% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN CHICAGO, IL 60606 | DELTA DENTAL OF ILLINOIS | $15K | $0 | $15K | 6.90% |
| THE BOON INSURANCE AGENCY3 Filed as: BOON INSURANCE AGENCY INC | UNKNOWN CHICAGO, IL 60606 | DELTA DENTAL OF ILLINOIS | $0 | $8K | $8K | 3.68% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN CHICAGO, IL 60606 | ALPHA DENTAL PROGRAMS, INC | $1K | $0 | $1K | 5.00% |
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 | 552 | 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) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 737 | $3.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLINOIS | 340 | $232K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 737 | $3.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 552 | $229K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 552 | $229K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 552 | $229K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 737 | $3.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 552 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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.