| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $5K | $1K | $6K | 12.77% |
| HUGH JEFFREY SNEDDON3 Filed as: HUGH JEFFERY SNEDDON | WYNNEWOODPLANNING CORP178 MYRTLE BLVD STE 106 LARCHMONT, NY 105382048 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.70% |
| MICHAEL A BOOK3 | 90 PARK AVE FL17 NEWYORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $611 | — | $611 | 2.15% |
| BELL ASSOCIATES0 | 79 E PUTNAM AVE GREENWICH, CT 06830 | TELADOC HEALTH | $2K | — | $2K | 11.59% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | SUITE 310 1305 WALT WHITMAN RD MELVILLE, NY 11747 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $523 | — | $523 | 5.00% |
| ANTHEM INSURANCE COMPANIES, INC.0 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS CO | — | $38 | $38 | 1.01% |
| ANTHEM INSURANCE COMPANIES, INC.0 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS CO | — | $9 | $9 | 0.95% |
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 | 245 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | 163 | $32K |
| Dental(2 contracts, 2 carriers) | MERITAIN HEALTH | 243 | $148K |
| Vision | THE GUARDIAN LIFE INSURANCE OF AMERICA | 243 | $47K |
| Life insurance | THE GUARDIAN LIFE INSURANCE OF AMERICA | 243 | $47K |
| Long-term disability | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 17 | $28K |
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INSURANCE COMPANY | 134 | $417K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 245 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.