| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP DBA | — | SIRIUS AMERICA INSURANCE CO. | $105K | — | $105K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VELVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $16K | $16K | 8.65% |
| FOUNDATION RISK PARTNERS CORP3 | 2 AQUARIUM DRIVE FLOOR 2 CAMDEN, NJ 08103 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 2.35% |
| FOUNDATION RISK PARTNERS CORP3 | 2 AQUARIUM DRIVE FLOOR 2 CAMDEN, NJ 08103 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $10K | — | $10K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VELVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $5K | $5K | 7.46% |
| FOUNDATION RISK PARTNERS CORP3 | 1540 CORNERSTONE BOULEVARD SUITE 230 DAYTONA BEACH, FL 32117 | NATIONAL VISION ADMINISTRATORS, LLC | $5K | — | $5K | 10.00% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VELVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $5K | $5K | 13.63% |
| FOUNDATION RISK PARTNERS CORP3 | 2 AQUARIUM DRIVE FLOOR 2 CAMDEN, NJ 08103 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 5.73% |
| FOUNDATION RISK PARTNERS CORP3 | 2 AQUARIUM DRIVE FLOOR 2 CAMDEN, NJ 08103 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 11.83% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VELVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 8.27% |
| FOUNDATION RISK PARTNERS CORP3 | — | DELTA DENTAL OF NEW YORK | $1K | — | $1K | 6.28% |
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 | 1,332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 72 | $20K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 441 | $48K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,325 | $110K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,319 | $190K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 49 | $32K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE CO. | 715 | $698K |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,325 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,325 | — |
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.