| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $0 | $11K | 5.07% |
| 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 | 4.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $11K | $3K | $14K | 8.39% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$9 | $8K | $8K | 5.06% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $6K | $59 | $6K | 9.19% |
| MJ INSURANCE3 Filed as: JULIE ANN WITT & VARIOUS AGENTS | 826 OVERHILLS DRIVE OLD HICKORY, TN 37138 | AFLAC | $2K | $0 | $2K | 2.71% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $678 | $14 | $692 | 1.09% |
| MICHAEL BURACK3 | 46 THREEPENCE DRIVE MELVILLE, NY 11747 | AFLAC | $442 | $0 | $442 | 0.70% |
| MARY LARONDE3 Filed as: MARY J. LARONDE | 4621 WEST 110TH AVENUE WESTMINSTER, CO 80031 | AFLAC | $391 | $0 | $391 | 0.62% |
| DEBORAH LYNN SOLYAN3 | 3494 GRANTON AVENUE CLEVELAND, OH 44111 | AFLAC | $312 | $0 | $312 | 0.49% |
| JONATHAN P DUNN3 Filed as: JONATHAN P. DUNN | 3337 TWIN RIDGE DRIVE CHARLOTTE, NC 28210 | AFLAC | $216 | $0 | $216 | 0.34% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $3K | $54 | $3K | 6.83% |
| MJ INSURANCE3 Filed as: BRADLEY S. RUPPEL & VARIOUS AGENTS | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $502 | $11 | $513 | 1.35% |
| MICHAEL BURACK3 | 46 THREEPENCE DRIVE MELVILLE, NY 11747 | AFLAC | $500 | $0 | $500 | 1.32% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $465 | $13 | $478 | 1.26% |
| DON'T SWEAT LIFE INC3 | 160 MIDDLE NECK ROAD SUITE 3B GREAT NECK, NY 11021 | AFLAC | $178 | $13 | $191 | 0.50% |
| CLEMENT R HEFFEZ3 Filed as: CLEMENT R. HEFFEZ | 2528 LEGION STREET BELLMORE, NY 11710 | AFLAC | $84 | $23 | $107 | 0.28% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $93 | $0 | $93 | 0.25% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 5.27% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 4.69% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 4.69% |
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 | 765 | 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) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 484 | $211K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 466 | $27K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 306 | $166K |
| Short-term disability(2 contracts) | AFLAC | 46 | $101K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 306 | $166K |
| Other(4 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 765 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.