| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES NUZZI-NUZZI FINANCIAL NETWORK | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$163 | — | -$163 | -0.01% |
| ALLIANCE BENEFIT PROGRAMS INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$164 | — | -$164 | -0.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$164 | — | -$164 | -0.01% |
| JAMES NUZZI3 | 240 FRISCH COURT SUITE 106 PARAMUS, NJ 07652 | METROPOLITAN LIFE INSURANCE COMPANY | $110K | — | $110K | 10.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 0.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16 | $16 | 0.00% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | $31K | $86K | 23.31% |
| JAMES NUZZI3 | 240 FRISCH COURT SUITE 106 PARAMUS, NJ 07652 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 5.03% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $15K | $33K | 18.65% |
| ALLIANCE BENEFIT PROGRAMS INC3 Filed as: ALLIANCE BENEFIT PROGRAMS, INC. | 990 WESTBURY ROAD 3RD FLOOR WESTBURY, NY 11590 | EYEMED | $8K | — | $8K | 4.58% |
| JAMES NUZZI3 | 240 FRISCH COURT PARAMUS, NJ 07652 | EYEMED | $7K | — | $7K | 4.15% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $13K | $29K | 18.29% |
| JAMES NUZZI3 | 240 FRISCH COURT SUITE 106 PARAMUS, NJ 07652 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 3.98% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $9K | $19K | 18.61% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 22.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.7M |
| ALLIANCE BENEFIT PROGRAMS INC BROKER | Custodial (securities) Service code 19 | 990 WESTBURY ROAD 3RD FLOOR WESTBURY, NY 11590 | $340K |
| JAMES NUZZI BROKER | Custodial (securities) Service code 19 | 240 FRISCH COURT PARAMUS, NJ 07652 | $340K |
| EMERSON REID & COMPANY, INC. BROKER | Custodial (securities) Service code 19 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | $149K |
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 | 2,048 | 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) | 2,048 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 74 | $369K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,033 | $3.0M |
| Vision | EYEMED | 2,323 | $174K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,048 | $511K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,640 | $161K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,050 | $177K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,936 | $1.9M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,048 | $511K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,033 | — |
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.