| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER A CHERNOFF | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $90K | $0 | $90K | 2.02% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $121K | $0 | $121K | 17.41% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | DENTAL SERVICE OF MASSACHUSETTS, INC DBA DELTA DENTAL OF MA | $64K | $0 | $64K | 10.07% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | METROPLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.61% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | METROPLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 4.95% |
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 | 916 | 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) | 916 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 686 | $4.5M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC DBA DELTA DENTAL OF MA | 1,375 | $633K |
| Vision | METROPLITAN LIFE INSURANCE COMPANY | 1,363 | $137K |
| Life insurance | USABLE LIFE | 916 | $697K |
| Short-term disability | USABLE LIFE | 916 | $697K |
| Long-term disability | USABLE LIFE | 916 | $697K |
| Other | USABLE LIFE | 916 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,375 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.