| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC2 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELLVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $46K | $136K | $182K | 13.36% |
| EMERSON REID LLC2 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELLVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $4K | $5K | $9K | 9.30% |
| EMERSON REID LLC2 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELLVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $3K | $799 | $4K | 4.38% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 21.97% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 22.02% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 22.01% |
| EMERSON REID LLC2 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELLVILLE, NY 11747 | HORIZON INSURANCE COMPANY | $1K | $0 | $1K | 9.98% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 21.96% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $924 | $1K | $2K | 21.88% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $651 | $787 | $1K | 22.08% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | — |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 129 | $1.4M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 132 | $98K |
| Vision | HORIZON INSURANCE COMPANY | 113 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $0 |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 129 | $80K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.