| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $115K | $85K | $200K | 17.89% |
| RSC INSURANCE BROKERAGE INC3 | ONE HOLLOW LANE STE 206 LAKE SUCCESS, NY 11042 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 0.42% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $15K | $10K | $24K | 2.76% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY INC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $10K | $55K | $65K | 10.51% |
| RSC INSURANCE BROKERAGE INC3 | ONE HOLLOW LANE STE 206 LAKE SUCESS, NY 11042 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $229 | $3K | $3K | 0.48% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $25K | $16K | $42K | 22.98% |
| RSC INSURANCE BROKERAGE INC3 | ONE HOLLOW LANE STE 206 LAKE SUCCESS, NY 11042 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 1.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $17K | $16K | $33K | 18.59% |
| RSC INSURANCE BROKERAGE INC3 | ONE HOLLOW LANE STE 206 LAKE SUCCESS, NY 11042 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 0.57% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 12.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $2.7M |
| UNITED HEALTHCARE SERVICES LLC EIN 47-0854646 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $22K |
| RSC INSURANCE BROKERAGE, INC EIN 16-1689464 BROKER | Other commissions Service code 55 | 21700 OXNARD STREET SUITE 870 WOODLAND HILLS, CA 913677539 | $0 |
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 | 2,070 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 829 | $62K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,070 | $621K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 296 | $176K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,069 | $1.1M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | STANDARD SECURITY LIFE INS. COMPANY OF NEW YORK | 1,810 | $1.9M |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,070 | $802K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,070 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.