| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $42K | $47K | 5.13% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 20.83% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE STE 3700 NEW YORK, NY 10118 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 10.75% |
| EMERSON REID LLC3 | 350 5TH AVE #3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $6K | 24.86% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 350 5TH AVE #3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $3K | 20.25% |
| EMERSON REID LLC3 | 350 5TH AVENUE # 3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $3K | 20.12% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 07407 | VISION SERVICE PLAN | $637 | — | $637 | 4.98% |
| EMERSON REID LLC3 | 350 5TH AVE #3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 24.60% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $922K |
| Dental | AETNA LIFE INSURANCE CO. | 102 | $75K |
| Vision | VISION SERVICE PLAN | 86 | $13K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $25K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $15K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $922K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.