| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISLAND FINANCIAL SERVICES INC3 | 1913 E GRAND CANYON DR MERIDIAN, ID 83646 | OXFORD HEALTH INSURANCE, INC | $34K | $0 | $34K | 1.89% |
| COBB B LLC3 | DBA LAMB FINANCIAL GROUP 1100 E HECTOR STREET SUITE 470 CONSHOHOCKEN, PA 19428 | OXFORD HEALTH INSURANCE, INC | $27K | $0 | $27K | 1.51% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. - GA | 1000 WOODBURY ROAD SUITE 403, 4TH FLOOR WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC | $0 | $8K | $8K | 0.46% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC | $0 | $6K | $6K | 0.34% |
| FRANK MANSUETTO3 | PO BOX 363 COMMACK, NY 11725 | SHELTERPOINT LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.61% |
| EMERSON REID LLC3 Filed as: EMERSON REID LLC EMERSON REID & | COMPANY INC, EMPIRE STATE BLDG 350 5TH AVE STE 3700 NEW YORK, NY 10118 | SHELTERPOINT LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.30% |
| COBB B LLC3 Filed as: COBB B LLC DBA LAMB FINANCIAL | 145 WEST 45TH STREET STE 602 NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.88% |
| ISLAND FINANCIAL SERVICES INC3 Filed as: ISLAND FINANCIAL SERVICES, INC. | PO BOX 363 COMMACK, NY 11725 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.72% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $168 | $168 | 0.44% |
| EMERSON REID LLC3 | EMPIRE STATE BLDG 350 FIFTH AVENUE STE 3700 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | $1K | $426 | $2K | 9.90% |
| ISLAND FINANCIAL SERVICES INC3 | PO BOX 363 COMMACK, NY 11725 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 7.58% |
| FRANK MANSUETTO3 | PO BOX 363 COMMACK, NY 11725 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.00% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 165 | $1.8M |
| Dental | SHELTERPOINT LIFE INSURANCE COMPANY | 96 | $130K |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 98 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 112 | $17K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 109 | $38K |
| Other | HARTFORD LIFE AND ACCIDENT | 112 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.