| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC STRATEGIES COMPANY | — | SIRIUS AMERICA INSURANCE CO. | $66K | — | $66K | 10.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP DBA | — | SIRIUS AMERICA INSURANCE CO. | $33K | — | $33K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VELVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $10K | $10K | 5.28% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 14TH FLOOR BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 1.97% |
| FOUNDATION RISK PARTNERS CORP3 | 2 AQUARIUM DRIVE FLOOR 2 CAMDEN, NJ 08103 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $698 | — | $698 | 0.36% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VELVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $7K | $7K | 7.18% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 2.61% |
| FOUNDATION RISK PARTNERS CORP3 | 2 AQUARIUM DRIVE FLOOR 2 CAMDEN, NJ 08103 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 1.87% |
| FOUNDATION RISK PARTNERS CORP3 | 2 AQUARIUM DRIVE FLOOR 2 CAMDEN, NJ 08103 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 8.90% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VELVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 7.42% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 6.10% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC DBA | 160 FEDERAL STREET BOSTON, MA 02110 | NATIONAL VISION ADMINISTRATORS, LLC | $3K | — | $3K | 6.56% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 5.00% |
| FOUNDATION RISK PARTNERS CORP3 | 1540 CORNERSTONE BOULEVARD SUITE 230 DAYTONA BEACH, FL 32117 | NATIONAL VISION ADMINISTRATORS, LLC | $1K | — | $1K | 3.44% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 8.03% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VELVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 7.65% |
| FOUNDATION RISK PARTNERS CORP3 | 2 AQUARIUM DRIVE FLOOR 2 CAMDEN, NJ 08103 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 6.13% |
| RSC INSURANCE BROKERAGE INC3 | — | DELTA DENTAL OF NEW YORK | $920 | — | $920 | 4.01% |
| FOUNDATION RISK PARTNERS CORP3 | — | DELTA DENTAL OF NEW YORK | $572 | — | $572 | 2.49% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VELVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 14.28% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 13.48% |
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 | 1,200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 81 | $23K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 337 | $39K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,209 | $145K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,208 | $196K |
| Long-term disability(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 40 | $38K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE CO. | 670 | $658K |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,209 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,209 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.