| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $87K | $95K | 4.58% |
| 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 | $3K | $3K | 0.13% |
| PAUL D. SHAINHEIT3 | 3 PRICKETT LANE HAINESPORT, NJ 08036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | -$4K | -$4K | -0.17% |
| OMNI MANAGED HEALTH, INC.3 Filed as: OMNI MANAGED HEALTH, INC | 3877 FLATLANDS AVENUE BROOKLYN, NY 11234 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | -$4K | -$4K | -0.17% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $4K | $2K | $6K | 7.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $3K | $188 | $3K | 4.35% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | $2 | $0 | $2 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1 JERICHO PLZ STE 200 JERICHO, NY 11753 | UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD, 11 FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1 JERICHO PLZ STE 200 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD, 11 FLOOR ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $540 | $540 | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| 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 | $174 | $174 | 1.25% |
| PAUL D. SHAINHEIT3 Filed as: PAUL D SHAINHEIT | 3 PRICKETT LN HAINESPORT, NJ 08035 | UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 85 CHESTNUT RIDGE RD SUITE 214 MONTVALE, NJ 07645 | UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $701 | $0 | $701 | 7.43% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | VISION SERVICE PLAN | -$1 | $0 | -$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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 176 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 176 | $2.1M |
| Vision | VISION SERVICE PLAN | 122 | $9K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 182 | $141K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 182 | $48K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 182 | $127K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 182 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.