| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN KIFFERSTEIN3 Filed as: ALAN C. KIFFERSTEIN | 570 LEXINGTON AVENUE, SUITE 1600 NEW YORK, NY 10022 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $0 | $32K | 3.87% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NY NJ | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 350 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $14K | $14K | 1.67% |
| EKA BROKERAGE SERVICES, INC.3 | 157 EAST MAIN STREET HUNTINGTON, NY 11743 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.39% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.17% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $2K | $2K | 4.73% |
| ALAN KIFFERSTEIN3 | 484 WEST 43RD STREET, APARTMENT 16M NEW YORK, NY 10036 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | $0 | $2K | 4.73% |
| ALAN KIFFERSTEIN3 | 570 LEXINGTON AVENUE, SUITE 1600 NEW YORK, NY 10022 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.05% |
| ALAN KIFFERSTEIN3 | 484 WEST 43RD STREET, APARTMENT 16M NEW YORK, NY 10036 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.70% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $503 | $0 | $503 | 2.14% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $502 | $0 | $502 | 2.14% |
| EKA BROKERAGE SERVICES, INC.3 | 157 EAST MAIN STREET HUNTINGTON, NY 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $344 | $0 | $344 | 1.47% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE NEW YORK, NY 10118 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $292 | $292 | 1.24% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $168 | $0 | $168 | 0.72% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $829K |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 139 | $52K |
| Vision | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $23K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $23K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $23K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $829K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.