| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PKWY W STE. 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 669 RIVER DRIVE CENTER II, #305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 4.15% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 653 FOREST AVE. STATEN ISLAND, NY 10310 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 3.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLAZA UNIONDALE, NY 11556 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY W. VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLAZA UNIONDALE, NY 11556 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY W VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLAZA UNIONDALE, NY 11556 | VISION SERVICE PLAN | $1K | — | $1K | 4.48% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD., STE. 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $61 | — | $61 | 0.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLAZA UNIONDALE, NY 11556 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY. W VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $494 | — | $494 | 5.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 653 FOREST AVE. STATEN ISLAND, NY 10310 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 23.47% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CNTR II, STE. 305 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $599 | $599 | 11.36% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 653 FOREST AVE. STATEN ISLAND, NY 10310 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 30.00% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II, STE. 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $522 | $522 | 11.37% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 653 FOREST AVE. STATEN ISLAND, NY 10310 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $296 | — | $296 | 24.05% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II, STE. 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $140 | $140 | 11.37% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLAZA UNIONDALE, NY 11556 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $11 | — | $11 | 14.86% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY. W VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4 | — | $4 | 5.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ASSISTANCE COMPANY, LLC EIN 55-0715869 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $106K |
| RAMPART INSURANCE SERVICES EIN 27-1403515 BROKER | Insurance agents and brokers Service code 22 | — | $62K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $28K |
| CIGNA EIN 59-1031071 CONTRACT ADMINISTRATOR | Other commissions; Other insurance fees and expenses; Claims processing Service code 12 | — | $28K |
| CONNECTCARE3, LLC EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $10K |
| MEDWATCH, LLC EIN 59-2884658 UTILIZATION REVIEW | Other commissions; Other insurance fees and expenses Service code 55 | — | $3K |
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 | 218 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $124K |
| Vision | VISION SERVICE PLAN | 138 | $25K |
| Life insurance(3 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 254 | $67K |
| Long-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 254 | $60K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 153 | $895K |
| Other(3 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 254 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.