| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | UNITED HEALTHCARE | $3K | $34K | $38K | 5.18% |
| EMERSON REID LLC3 Filed as: EMERSON REID | UNKNOWN NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $0 | $9K | 13.12% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 10.43% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $783 | $2K | 4.71% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | $0 | $2K | 15.00% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 136 | $732K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 218 | $71K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 179 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $50K |
| Prescription drug | UNITED HEALTHCARE | 136 | $732K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.