| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 100162303 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.76% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| EMERSON REID LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.99% |
| EMERSON REID LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| SNEDDON HUGH JEFFREY3 | 178 MYRTLE BLVD STE 106 LARCHMONT, NY 10538 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 24.69% |
| BOOK MICHAEL A3 | 530 5TH AVE FL 11 NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $424 | $2K | $3K | 7.87% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO, INC. | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 11.15% |
| BELL ASSOCIATES3 | 79 E PUTNAM AV GREENWICH, CT 06830 | TELADOC | $3K | — | $3K | 30.07% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WITMAN RD STE 310 MELVILLE, NY 11747 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS, INC EIN 06-1475928 | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $186K |
| EMERSON REID, LLC | Insurance agents and brokers; Other commissions Service code 22 | — | $18K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 | Claims processing; Other fees Service code 12 | 2323 GRAND BOULEVARD KANSAS CITY, MO 64108 | $9K |
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 | Contract Administrator; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $4K |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS, INC. | 384 | $182K |
| Dental | UNION SECURITY INSURANCE COMPANY | 0 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 283 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $160K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 246 | $84K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC. | 314 | $157K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 95 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.