| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVON M SCHERFF3 | 143 HUBBS ROAD UNIT B BALLSTON LAKE, NY 12019 | HIGHMARK DELAWARE | $47K | — | $47K | 1.54% |
| GLYNIS FIONA ROBERTS3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | HIGHMARK DELAWARE | $24K | — | $24K | 0.77% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 117474300 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $20K | 5.93% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $16K | 4.65% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 074071361 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITEDHEALTHCARE INSURANCE COMPANY | $798 | — | $798 | 5.00% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | METLIFE LEGAL PLANS | $854 | — | $854 | 7.78% |
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 | 197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 393 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 402 | $339K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 402 | $339K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 402 | $339K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 402 | $339K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 402 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.