| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE. 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $4K | $10K | 8.40% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK LLC | 653 FOREST AVE. STATEN ISLAND, NY 10310 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.49% |
| YISRAEL KUSHNER3 Filed as: YISRAEL A KUSHNER | 4 JAYS CT CLOSTER, NJ 07624 | UNITEDHEALTHCARE INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| YISREAL A KUSHNER3 | 4 JAYS CT CLOSTER, NJ 07624 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | — | $6K | 5.62% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD., STE. 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 1.80% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK LLC | 653 FOREST AVE. STATEN ISLAND, NY 10310 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 1.27% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W, STE. 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $1K | $1K | 1.20% |
| YISRAEL KUSHNER3 Filed as: YISRAEL A KUSHNER | 4 JAYS CT CLOSTER, NJ 07624 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $7K | — | $7K | 7.68% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD., STE. 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $2K | $2K | 1.92% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK LLC | 653 FOREST AVE. STATEN ISLAND, NY 10310 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 1.45% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W, STE. 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $1K | $1K | 1.10% |
| YISREAL A KUSHNER3 | 4 JAYS CT CLOSTER, NJ 07624 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 8.60% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK LLC | 653 FOREST AVE. STATEN ISLAND, NY 10310 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $634 | — | $634 | 2.76% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD., STE. 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $417 | $417 | 1.82% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W, STE. 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $270 | $270 | 1.18% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK LLC | 1983 MARCUS AVE., STE. C130 NEW HYDE PARK, NY 11042 | VISION SERVICE PLAN | $1K | — | $1K | 5.40% |
| IZZY KUSHNER3 | 4 JAYS CT CLOSTER, NJ 07624 | VISION SERVICE PLAN | -$6 | — | -$6 | -0.03% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 249 | $118K |
| Vision | VISION SERVICE PLAN | 125 | $22K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 205 | $98K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 205 | $93K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 205 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.