| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61077 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $0 | $14K | 1.76% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $11K | $11K | 1.41% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND AND COMPANY | UNKNOWN UNIONDALE, NY 11514 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$1 | $0 | -$1 | -0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $11K | $7K | $17K | 9.37% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $9K | $9K | 5.00% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $3K | $195 | $3K | 5.12% |
| MJ INSURANCE3 Filed as: DAVID GUSTAFSON AND VARIOUS AGENTS | 5921 STONE MEADOW DRIVE PLANO, TX 75093 | AFLAC | $2K | $162 | $2K | 4.16% |
| DEBORAH LYNN SOLYAN3 | 3494 GRANTON AVENUE CLEVELAND, OH 44111 | AFLAC | $906 | $0 | $906 | 1.67% |
| MICHAEL BURACK3 | 46 THREEPENCE DRIVE MELVILLE, NY 11747 | AFLAC | $486 | $27 | $513 | 0.95% |
| JCQUES P. DAVID3 | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $433 | $32 | $465 | 0.86% |
| JULIE ANN WITT3 | 826 OVERLAND DRIVE OLD HICKORY, TN 37138 | AFLAC | $382 | $47 | $429 | 0.79% |
| MARY LARONDE3 Filed as: MARY J. LARONDE | 4621 WEST 110TH AVENUE WESTMINSTER, CO 80031 | AFLAC | $412 | $0 | $412 | 0.76% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $4K | $154 | $4K | 10.38% |
| JCQUES P. DAVID3 Filed as: JCQUES P. DAVID CORPORATION | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $608 | $31 | $639 | 1.72% |
| MICHAEL BURACK3 | 46 THREEPENCE DRIVE MELVILLE, NY 11747 | AFLAC | $603 | $24 | $627 | 1.69% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN H. MARKOWITZ AND OTHER AGENTS | 17 LINDSAY PLACE HOLBROOK, NY 11741 | AFLAC | $420 | $0 | $420 | 1.13% |
| DONT SWEAT LIFE INC3 Filed as: DONT SWEAT LIFE INC. | 146 BAYVIEW AVENUE NORTHPORT, NY 11768 | AFLAC | $261 | $2 | $263 | 0.71% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $101 | $0 | $101 | 0.27% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY S. RUPPEL | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $78 | $0 | $78 | 0.21% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 5.01% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 5.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $945 | $945 | 3.70% |
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 | 385 | 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) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 701 | $784K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 528 | $26K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 385 | $186K |
| Short-term disability(2 contracts) | AFLAC | 51 | $91K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 385 | $186K |
| Other(4 contracts, 3 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,048 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,048 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.