| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY BERNARD3 | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 1.99% |
| MARTIN BERNARD3 | 22 VALENTINE DRIVE ALBERTSON, NY 11507 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 1.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC. | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 0.99% |
| MARTY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $261 | $5K | $5K | 9.15% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DR PO BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 6.62% |
| JEFFREY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $261 | — | $261 | 0.44% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $36 | $36 | 0.06% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DR PO BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 12.31% |
| MARTY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $36 | $3K | $3K | 10.80% |
| JEFFREY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $36 | — | $36 | 0.14% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | -$159 | -$159 | -0.61% |
| MARTY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $25 | $1K | $1K | 10.33% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DR PO BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 10.21% |
| JEFFREY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $25 | — | $25 | 0.18% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | -$47 | -$47 | -0.34% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DR PO BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $298 | — | $298 | 11.37% |
| MARTY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $8 | $252 | $260 | 9.92% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $13 | $13 | 0.50% |
| JEFFREY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $8 | — | $8 | 0.31% |
| MARTY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6 | $261 | $267 | 11.84% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DR PO BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $158 | — | $158 | 7.00% |
| JEFFREY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6 | — | $6 | 0.27% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | -$25 | -$25 | -1.11% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 216 | $181K |
| Life insurance(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $73K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $26K |
| Other(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.