| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCM3 Filed as: MCM AGENCY, INC. | 293 NY-100 #103 SOMERS, NY 10589 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 5.29% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY, STE 320 BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 3.91% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD, STE 120 SOUTH MELVILLE, NY 11747 | LIBERTY LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | $2K | $6K | 15.33% |
| MCM3 Filed as: MCM AGENCY INC | 293 ROUTE 100 SOMERS, NY 10589 | LIBERTY LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 5.27% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD, STE 120 SOUTH MELVILLE, NY 11747 | LIBERTY LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | $2K | $5K | 14.13% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $558 | — | $558 | 4.46% |
| MCM3 Filed as: MCM AGENCY, INC. | 293 NY-100 3103 SOMERS, NY 10589 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $279 | — | $279 | 2.23% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD, STE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $1K | $554 | $2K | 15.99% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD, STE 120 SOUTH MELVILLE, NY 11747 | LIBERTY LIFE AND ANNUITY COMPANY OF NEW YORK | $657 | $378 | $1K | 15.34% |
| MCM3 Filed as: MCM AGENCY INC | 293 ROUTE 100 SOMERS, NY 10589 | LIBERTY LIFE AND ANNUITY COMPANY OF NEW YORK | $356 | — | $356 | 5.28% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD, STE 120 SOUTH MELVILLE, NY 11747 | LIBERTY LIFE AND ANNUITY COMPANY OF NEW YORK | $457 | $358 | $815 | 14.12% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD, STE 120 SOUTH MELVILLE, NY 11747 | LIBERTY LIFE AND ANNUITY COMPANY OF NEW YORK | $268 | $285 | $553 | 10.30% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD, STE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $238 | $92 | $330 | 15.96% |
| THE DBL CENTER LTD3 Filed as: THE DBL CENTER, LTD | 155 PINELAWN RD, STE 120 SOUTH MELVILLE, NY 11747 | LIBERTY LIFE AND ANNUITY COMPANY OF NEW YORK | $45 | $48 | $93 | 10.39% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 173 | $88K |
| Vision(2 contracts) | LIBERTY LIFE AND ANNUITY COMPANY OF NEW YORK | 68 | $6K |
| Life insurance(2 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 141 | $14K |
| Short-term disability(2 contracts) | LIBERTY LIFE AND ANNUITY COMPANY OF NEW YORK | 53 | $40K |
| Long-term disability(2 contracts) | LIBERTY LIFE AND ANNUITY COMPANY OF NEW YORK | 53 | $47K |
| Other(2 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 141 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.