| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SNEDDON HUGH JEFFREY3 | 178 MYRTLE BLVD STE 106 LARCHMONT, NY 105382048 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $791 | $7K | 19.33% |
| BOOK MICHAEL A3 | 530 5TH ST FL 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $776 | $2K | $3K | 8.46% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $922 | — | $922 | 5.00% |
| EMERSON REID LLC3 | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $754 | — | $754 | 5.00% |
| BELL ASSOCIATES3 | 79 E PUTNAM AVENUA GREENWICH, CT 06830 | TELADOC | $2K | — | $2K | 15.00% |
| ANTHEM INSURANCE COMPANIES, INC. Filed as: ANTHEM INSURANCE COMPANIES | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS CO | — | $328 | $328 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS EIN 06-1475928 | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $214K |
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees; Contract Administrator; Float revenue Service code 12 | — | $109K |
| EMERSON REID & CO | Other commissions; Insurance agents and brokers Service code 22 | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | $9K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 | Other fees; Claims processing Service code 12 | — | $9K |
| 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 | 250 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TELADOC | 146 | $19K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $15K |
| Long-term disability | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 31 | $39K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC | 445 | $186K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 250 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.