| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 100 SUMMIT LAKE DRIVE VAHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $66K | $15K | $81K | 34.94% |
| ERIN K GIUSTI3 Filed as: ERIN K. GIUSTI | 4828 FOLSE DRIVE METAIRIE, LA 70006 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 5.77% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $9K | $1K | $10K | 4.34% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE, SUITE 3700 LAKE SUCCESS, NY 10018 | HARTFORD LIFE AND ACCIDENT | -$7 | -$1 | -$8 | -0.00% |
| RSC INSURANCE BROKERAGE INC3 | 3500 NORTH CAUSEWAY BOULEVARD SUITE 1442 METAIRIE, LA 70002 | COMPANION LIFE | $15K | $0 | $15K | 8.98% |
| ROBERT J. MINEO INSURANCE, LLC3 Filed as: ROBERT J. MINEO | 7322 DONALDSON DRIVE GONZALES, LA 70737 | COMPANION LIFE | $2K | $0 | $2K | 1.50% |
| ERIN K GIUSTI3 Filed as: ERIN K. GIUSTI | 4828 FOLSE DRIVE METAIRIE, LA 70006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | $0 | $21K | 43.93% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 20.25% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.50% |
| ROBYN TIKIA3 | 9725 WARWANA ROAD HOUSTON, TX 77080 | AMFIRST/UVP | $2K | $0 | $2K | 14.96% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST/UVP | $829 | $0 | $829 | 7.64% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 143 | $27K |
| Dental | COMPANION LIFE | 134 | $166K |
| Vision | AMFIRST/UVP | 143 | $11K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 190 | $279K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 190 | $279K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 190 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.