| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL D. SHAINHEIT3 | 3 PRICKETT LANE HAINESPORT, NJ 08036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $41K | $41K | 2.70% |
| OMNI MANAGED HEALTH, INC.3 Filed as: OMNI MANAGED HEALTH, INC | 3877 FLATLANDS AVENUE BROOKLYN, NY 11234 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $41K | $41K | 2.70% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PKWY SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $30K | $30K | 2.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWAY W SUITE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 3.95% |
| JONATHAN R MASSEY3 | 90 WOODBRIDGE CENTER DRIVE 7TH FLOOR WOODBRIDGE, NJ 07095 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $708 | $0 | $708 | 0.56% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | $4K | $3K | $7K | 10.79% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $4K | $2K | $6K | 9.51% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | VISION SERVICE PLAN | $711 | $0 | $711 | 6.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $99 | $0 | $99 | 0.85% |
| PAUL D. SHAINHEIT3 Filed as: PAUL D SHAINHEIT | 3 PRICKETT LN HAINESPORT, NJ 08035 | UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 85 CHESTNUT RIDGE RD SUITE 214 MONTVALE, NJ 07645 | UNUM LIFE INSURANCE COMPANY | $298 | $0 | $298 | 2.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 11TH FLOOR ROLLING MDWS, IL 60008 | UNUM LIFE INSURANCE COMPANY | $0 | $25 | $25 | 0.23% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $126K |
| Vision | VISION SERVICE PLAN | 119 | $12K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 159 | $74K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 159 | $63K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 159 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.