| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 669 RIVER DRIVE CENTER 2, SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $48K | $53K | 3.25% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $33K | $33K | 2.02% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER AND COON, INC. | PO BOX 4743 SYRACUSE, NY 13221 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $15K | $16K | 0.99% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER AND COON, INC. | PO BOX 4743 SYRACUSE, NY 13221 | CIGNA HEALTH AND LIFE INURANCE COMPANY | $5K | $44K | $48K | 4.05% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INURANCE COMPANY | $0 | $24K | $24K | 2.05% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 669 RIVER DRIVE CENTER 2, SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INURANCE COMPANY | -$9 | -$83 | -$92 | -0.01% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER AND COON, INC. | 300 SOUTH STATE STREET, SUITE 1000 SYRACUSE, NY 13202 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.92% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $205 | $0 | $205 | 0.65% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $103 | $0 | $103 | 0.33% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA NEWARK, NJ 07104 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | -$476 | -$476 | -1.51% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER AND COON, INC. | PO BOX 4743 SYRACUSE, NY 13221 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 8.81% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 100 SUMMIT LAKE DRIVE, SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $321 | $197 | $518 | 2.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | PO BOX 62939 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $0 | -$1 | -$1 | -0.01% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $2.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $2.8M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $2.8M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 137 | $32K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 32 | $18K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.