| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES P. REAGAN AGENCY, INC.3 Filed as: JAMES P REAGAN AGENCY, INC. | 8 E. MAIN STREET MARCELLUS, NY 13108 | HCC LIFE INSURANCE COMPANY | $47K | — | $47K | 10.00% |
| JAMES P. REAGAN AGENCY, INC.3 Filed as: JAMES P REAGAN AGENCY, INC. | 8 E. MAIN STREET MARCELLUS, NY 13108 | HCC LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| JAMES P. REAGAN AGENCY, INC.3 Filed as: JAMES P. REAGAN AGENCY | PO BOX 191 MARCELLUS, NY 13108 | ANTHEM BLUE CROSS | $3K | — | $3K | 2.61% |
| JAMES P. REAGAN AGENCY, INC.3 Filed as: JAMES P REAGAN AGENCY INC | PO BOX 191 MARCELLUS, NY 13108 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $239 | $239 | 1.24% |
| JAMES P. REAGAN AGENCY, INC.3 Filed as: JAMES P REAGAN AGENCY INC | PO BOX 191 MARCELLUS, NC 13108 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 11.47% |
| JAMES P. REAGAN AGENCY, INC.3 Filed as: JAMES P REAGAN AGENCY INC | PO BOX 191 MARCELLUS, NY 13108 | MUTUAL OF OMAHA INSURANCE COMPANY | $977 | — | $977 | 15.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $105 | $105 | 1.61% |
| JAMES P. REAGAN AGENCY, INC.3 Filed as: JAMES P. REAGAN AGENCY | PO BOX 191 MARCELLUS, NY 13108 | ANTHEM BLUE CROSS | $373 | — | $373 | 9.18% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM BLUE CROSS | 215 | $102K |
| Vision | ANTHEM BLUE CROSS | 215 | $102K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 198 | $16K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 60 | $19K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 16 | $7K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 148 | $626K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 198 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.