| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $161K | $94K | $255K | 15.86% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC. | 630 W.GERMANTOWN PIKE, STE 215 PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $143K | — | $143K | 17.93% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.60% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. INC. | 261 MADISON AVE, STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $42K | $71K | 12.42% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. INC. | 261 MADISON AVE, STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $8K | $17K | 19.31% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. INC. | 261 MADISON AVE, STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $9K | $18K | 20.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH SERVICES & BENEFIT ADMIN. EIN 94-3089465 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $238K |
| LINDQUIST LLP EIN 52-2385296 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $31K |
| ROTH STAFFING COMPANIES, L.P. NONE | Other services; Direct payment from the plan Service code 49 | 450 N. STATE COLLEGE BLVD. ORANGE, CA 92868 | $19K |
| AUTUMN PRESS EIN 94-2952041 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $8K |
| WHEELER SONOMA PRINTERS EIN 20-8452680 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $7K |
| TRANSFIRST NONE | Direct payment from the plan; Other services Service code 49 | 371 CENTENNIAL PARKWAY LOUISVILLE, CO 80027 | $7K |
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 | 4,068 | 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) | 4,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,980 | $1.7M |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,662 | $657K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,980 | $1.7M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,980 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,662 | — |
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.