| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $11K | $11K | 1.54% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $11K | $11K | 1.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $759K | $2K | $761K | 907.09% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $3K | $3K | 4.14% |
| SEAN FX GLEASON LLC3 Filed as: SEAN FX GLEASON, LLC | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $3K | $112 | $3K | 6.97% |
| MJ INSURANCE3 Filed as: JONATHAN P. DUNN AND VARIOUS AGENTS | 3337 TWIN RIDGE DRIVE CHARLOTTE, NC 28210 | AFLAC | $1K | $0 | $1K | 2.95% |
| JAQUES P DAVID CORPORATION3 Filed as: JAQUES P. DAVID | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $453 | $19 | $472 | 0.97% |
| MICHAEL BURACK3 | 46 THREEPENCE DRIVE MELVILLE, NY 11747 | AFLAC | $366 | $0 | $366 | 0.75% |
| MARY LARONDE3 Filed as: MARY J. LARONDE | 4621 WEST 110TH AVENUE WESTMINISTERR, CO 80031 | AFLAC | $321 | $0 | $321 | 0.66% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 35 PINELAWY ROAD, SUITE 1960 MELVILLE, NY 11747 | AFLAC | $269 | $0 | $269 | 0.55% |
| JULIE ANN WITT3 | 826 OVERHILLS DRIVE OLD HICKORY, TN 37138 | AFLAC | $203 | $0 | $203 | 0.42% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | $1K | $4K | 11.40% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $2K | $2K | 4.11% |
| SEAN FX GLEASON LLC3 Filed as: SEAN FX GLEASON, LLC | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $2K | $0 | $2K | 7.16% |
| MJ INSURANCE3 Filed as: BARBARA FONTI AND VARIOUS AGENTS | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $530 | $0 | $530 | 1.54% |
| JAQUES P DAVID CORPORATION3 Filed as: JAQUES P. DAVID CORPORATION | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $473 | $0 | $473 | 1.37% |
| MICHAEL BURACK3 | 46 THREEPENCE DRIVE MELVILLE, NY 11747 | AFLAC | $398 | $0 | $398 | 1.15% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 35 PINELAWY ROAD, SUITE 1960 MELVILLE, NY 11747 | AFLAC | $204 | $0 | $204 | 0.59% |
| STEVEN B LUSTIG3 Filed as: STEVEN B. LUSTIG | 17 WAYLAND STREET, SUITE 10 DELMAR, NY 12054 | AFLAC | $140 | $0 | $140 | 0.41% |
| DON'T SWEAT LIFE INC3 Filed as: DON'T SWEAT LIFE, INC. | 160 MIDDLE NECK ROAD, SUITE 3B GREAT NECK, NY 11021 | AFLAC | $104 | $0 | $104 | 0.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | $727 | $3K | 8.54% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $1K | $1K | 4.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 5.68% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 5.44% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 5.44% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $657 | $116 | $773 | 15.56% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $208 | $208 | 4.19% |
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 | 808 | 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) | 808 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 544 | $745K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 463 | $19K |
| Life insurance(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 808 | $72K |
| Short-term disability(2 contracts) | AFLAC | 38 | $83K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 808 | $84K |
| Other(4 contracts, 3 carriers) | AFLAC | 808 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 808 | — |
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.