| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 10.66% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 100162303 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 10.39% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 100162303 | 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 | $7K | 20.72% |
| BOOK MICHAEL A3 | 530 5TH AVE FL 11 NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $797 | $846 | $2K | 4.72% |
| EMERSON REID LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $10K | $11K | 48.72% |
| EMERSON REID LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $555 | $555 | 2.43% |
| 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 | $0 | $1K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $839 | $0 | $839 | 5.00% |
| BELL ASSOCIATES3 | 79 E PUTNAM AV GREENWICH, CT 06830 | TELADOC | $2K | $0 | $2K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WITMAN RD STE 310 MELVILLE, NY 11747 | UNION SECURITY INSURANCE COMPANY | $2K | $9K | $11K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS, INC EIN 06-1475928 | Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $132K |
| PRUDENTIAL INSURANCE COMPANY OF AME EIN 22-1211670 | Insurance services Service code 23 | — | $0 |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS, INC. | 422 | $195K |
| Dental | UNION SECURITY INSURANCE COMPANY | 0 | $0 |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 288 | $63K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $84K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC. | 422 | $168K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 86 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.