| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $556 | — | $556 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $504K |
| CHERNOFF DIAMOND & CO LLC EIN 11-2836994 INSURANCE BROKER | Other commissions Service code 55 | — | $180K |
| SPECTERA INC EIN 52-1260282 ADMINISTRATOR | Contract Administrator Service code 13 | — | $8K |
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 | 754 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 754 | $235K |
| Short-term disability(4 contracts, 3 carriers) | WESCO INSURANCE COMPANY | 853 | $342K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 754 | $92K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE CO AND AFFILIATES | 777 | $411K |
| Other(2 contracts, 2 carriers) | SHELTERPOINT LIFE INSURANCE COMPANY | 754 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 853 | — |
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."
No prospect flags tripped on this filing.