| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $7K | $22K | 15.00% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $6K | $18K | 15.00% |
| ACRISURE LLC3 Filed as: ACRISURE HEALTH SOLUTIONS INC AGCY | 184 WORCESTER PROVIDENCE TURNPIKE SUTTON, MA 01590 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG INC | $2K | — | $2K | 1.55% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $4K | $12K | 15.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CREATIVE RISK MANAGEMENT INC. | PO BOX 650 NYACK, NY 10960 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $9K | 13.94% |
| MARK METTILLE3 Filed as: MARK C PIETSCH | 1751 LAKE COOK ROAD DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 0.05% |
| LAURA MARIE MEADS3 | 15084 ARDLEY HALL CT SHELBY TWP, MI 48315 | KC LIFE | $3K | — | $3K | 6.28% |
| EMPLOYERS ASSOCIATED INS. AGENCY3 | 54 THIRD AVENUE PO BOX 4070 BURLINGTON, MA 01803 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $2K | — | $2K | 6.59% |
| THE HEALTH SOLUTIONS INSURANCE AGCY3 | 184 WORCESTER PROVIDENCE TURNPIKE SUTTON, MA 01590 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $2K | — | $2K | 6.21% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.15% |
| EMPLOYERS ASSOCIATED INS. AGENCY3 Filed as: EMPLOYERS ASSOCIATED INS. AGCY | 54 THIRD AVENUE PO BOX 4070 BURLINGTON, MA 01803 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $828 | — | $828 | 4.87% |
| THE HEALTH SOLUTIONS INSURANCE AGCY3 Filed as: THE HEALTH SOLUTIONS INSURANCE AGEN | 184 WORCESTER PROVIDENCE TURNPIKE SUTTON, MA 01590 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $559 | — | $559 | 3.29% |
| ACRISURE LLC3 Filed as: ACRISURE HEALTH SOLUTIONS INS. | 184 WORCESTER PROVIDENCE TPK SUTTON, MA 015902902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.93% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | ONE ENTERPRISE DR. STE 210 SHELTON, CT 06484 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $441 | $441 | 4.76% |
| ACRISURE LLC3 Filed as: ACRISURE HEALTH SOLUTIONS INS. | 40 CORPORATE AVE PLAINVILLE, CT 06062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $22 | $1K | 15.77% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | ONE ENTERPRISE DR. STE 210 SHELTON, CT 06484 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $576 | $576 | 6.97% |
| ACRISURE LLC3 Filed as: ACRISURE HEALTH SOLUTIONS INS. | 184 WORCESTER PROVIDENCE TPK. SUTTON, MA 015902902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $297 | $8 | $305 | 3.69% |
| LAURA MARIE MEADS3 | 15084 ARDLEY HALL CT SHELBY TWP, MI 48315 | KC LIFE | $128 | — | $128 | 3.35% |
| EMERSON REID LLC3 | 350 5TH AVENUE #3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $372 | $186 | $558 | 15.00% |
| EMERSON REID LLC3 | 350 5TH AVENUE #3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $362 | $181 | $543 | 14.98% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $258 | $129 | $387 | 14.99% |
| TAYLOR & TAYLOR ASSOCIATES3 Filed as: TAYLOR & TAYLOR ASSOCIATES, INC. | 271 MADISON AVENUE NEW YORK, NY 10016 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $293 | — | $293 | 14.99% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $246 | $82 | $328 | 19.99% |
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 | 1,102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 116 | $1.3M |
| Dental(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 78 | $153K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 484 | $129K |
| Life insurance(7 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,073 | $260K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,086 | $154K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,086 | $121K |
| Other(9 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,073 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,086 | — |
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.