| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 | 300 CONNELL DRIVE, SUITE 100 BERKELEY HEIGHTS, NJ 07922 | SHELTERPOINT LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.83% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $9K | $9K | 11.45% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $6K | $6K | 13.90% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $5K | $5K | 12.27% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.76% |
| EMERSON REID LLC3 | 350 5TH AVE, STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INS. CO. | $0 | $1K | $1K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 14.02% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $847 | $0 | $847 | 5.00% |
| EMERSON REID LLC3 | 350 5TH AVE, STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INS. CO. | $0 | $637 | $637 | 5.00% |
| EMERSON REID LLC3 | 350 5TH AVE, STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INS. CO. | $0 | $542 | $542 | 5.00% |
| EMERSON REID LLC3 | 350 5TH AVE, STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INS. CO. | $0 | $355 | $355 | 5.01% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $554 | $554 | 14.06% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $197 | $0 | $197 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMINISTRATOR | Contract Administrator Service code 13 | — | $219K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $14K |
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 | 363 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 164 | $26K |
| Life insurance(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 405 | $126K |
| Short-term disability(4 contracts, 3 carriers) | SHELTERPOINT LIFE INSURANCE COMPANY | 640 | $180K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 405 | $52K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE CO AND AFFILIATES | 499 | $429K |
| Other(3 contracts, 3 carriers) | SHELTERPOINT LIFE INSURANCE COMPANY | 405 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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."
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.