| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW LENNON3 | 1075 ROUTE 82 STE6 HOPEWELL JUNCTION, NY 12533 | AETNA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 8.96% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.99% |
| MATTHEW LENNON3 | 1075 ROUTE 82 STE6 HOPEWELL JUNCTION, NY 12533 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.88% |
| MATTHEW LENNON3 | 1075 ROUTE 82 STE6 HOPEWELL JUNCTION, NY 12533 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 7.10% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 5.00% |
| MATTHEW LENNON3 | 1075 ROUTE 82 STE6 HOPEWELL JUNCTION, NY 12533 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 8.12% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 5.00% |
| MATTHEW LENNON3 | 1075 ROUTE 82 STE6 HOPEWELL JUNCTION, NY 12533 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 11.93% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 5.00% |
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 | 411 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 518 | $273K |
| Vision | VISION SERVICE PLAN | 325 | $45K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 98 | $37K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 97 | $29K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 98 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.