| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN & SON INC | 486 WILLIS AVE WILLISTON PARK, NY 115961737 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 4.69% |
| EMERSON REID LLC3 | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NY 074071361 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 1.18% |
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN & SON INC | 486 WILLIS AVE WILLISTON PARK, NY 115961737 | OXFORD HEALTH INSURANCE, INC. | $11K | — | $11K | 3.18% |
| EMERSON REID LLC3 | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NY 074071361 | OXFORD HEALTH INSURANCE, INC. | — | $5K | $5K | 1.36% |
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN & SON INC | 486 WILLIS AVE WILLISTON PARK, NY 115961737 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $7K | — | $7K | 3.20% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 100166820 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $2K | $0 | $2K | 0.80% |
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN & SON INC | 486 WILLIS AVE WILLISTON PARK, NY 115961737 | OXFORD HEALTH INSURANCE, INC. | $5K | — | $5K | 2.95% |
| EMERSON REID LLC3 | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NY 074071361 | OXFORD HEALTH INSURANCE, INC. | — | $2K | $2K | 1.11% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFITSOLUTIONS, INC | 2457 STATE ROUTE 7 SUITE 1, P.O. BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUECROSS BLUESHIELD | $5K | $0 | $5K | 3.98% |
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN & SON INC | 486 WILLIS AVE WILLISTON PARK, NY 115961737 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 4.29% |
| EMERSON REID LLC3 | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NY 074071361 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $68 | $1K | 1.90% |
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN & SON INC | 486 WILLIS AVE WILLISTON PARK, NY 115961737 | INDEPENDENT HEALTH | $1K | $0 | $1K | 2.85% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 63 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 63 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.