| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W STE. 320 BLDG. 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 4.21% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE., STE. C130 NEW HYDE PARK, NY 11042 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK LLC | 1983 MARCUS AVE., STE. C130 NEW HYDE PARK, NY 11042 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.00% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY INC | 28 VILLAGE RD. N, STE. 3R BROOKLYN, NY 11223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.68% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE., STE. 130C NEW HYDE PARK, NY 11042 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 6.87% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY. W, STE. 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.42% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK LLC | 653 FOREST AVE STATEN ISLAND, NY 10310 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 3.98% |
| EMERSON REID LLC3 | 350 5TH AVE., STE. 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $648 | $858 | $2K | 23.22% |
| EMERSON REID LLC3 | 350 5TH AVE., STE. 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $190 | $251 | $441 | 23.25% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 643 | $270K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 256 | $34K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 259 | $8K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 336 | $230K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 336 | $230K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 220 | $407K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 259 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 643 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.