| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | SUN LIFE AND HEALTH INSURANCE COMPANY | $161K | $15K | $176K | 15.83% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $14K | $14K | 9.78% |
| RSC INSURANCE BROKERAGE INC3 | 900 STEWART AVENUE SUITE 505 GARDEN CITY, NY 11530 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 2.13% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 0.74% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, ME 02110 | DELTA DENTAL OF NEW YORK | $2K | — | $2K | 6.00% |
| RSC INSURANCE BROKERAGE INC3 | ONE HOLLOW LANE SUITE 206 LAKE SUCCESS, NE 11042 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $3K | — | $3K | 9.34% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 400 POST AVENUE WESTBURY, NY 11590 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | — | $868 | $868 | 2.58% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $362 | — | $362 | 1.07% |
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 | 793 | 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) | 794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 126 | $37K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 1,087 | $34K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,058 | $143K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 675 | $1.1M |
| Other | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 1,087 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,087 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.