| 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 | $14K | $735 | $15K | 5.66% |
| 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 | $6K | — | $6K | 2.42% |
| 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 | 3.69% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK LLC | 653 FOREST AVE. STATEN ISLAND, NY 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.15% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY. W, STE. 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.57% |
| EMERSON REID LLC3 | 350 5TH AVE., STE. 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $795 | $884 | $2K | 21.13% |
| EMERSON REID LLC3 | 350 5TH AVE., STE. 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $234 | $259 | $493 | 21.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS EIN 35-1846036 TPA | Claims processing; Plan Administrator; Other services Service code 12 | — | $164K |
| THE HILB GROUP OF NEW YORK LLC EIN 27-1403515 BROKER | Insurance agents and brokers; Consulting (general) Service code 16 | — | $108K |
| CIGNA EIN 59-1031071 TPA | Other services; Claims processing Service code 12 | — | $50K |
| MULTTIPLAN EIN 13-3068979 CLAIMS ADMIN | Other services; Plan Administrator; Claims processing Service code 12 | — | $21K |
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 | 293 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 676 | $264K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 263 | $33K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 293 | $10K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $228K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $228K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 233 | $445K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 293 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.