| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND AND COMPANY, LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | BLUE CROSS OF CALIFORNIA | $9K | — | $9K | 2.01% |
| THEODORE TURNASELLA3 | 81 EDGEWOOD ROAD WEST ISLIP, NY 11795 | BLUE CROSS OF CALIFORNIA | $2K | — | $2K | 0.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 7.29% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND AND COMPANY, LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $135 | $1K | $2K | 0.97% |
| THEODORE TURNASELLA3 | 81 EDGEWOOD ROAD WEST ISLIP, NY 11795 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 0.02% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND AND COMPANY, LLC | 990 STEWARD AVENUE, SUITE 520 GARDEN CITY, NY 11530 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | — | $5K | 11.46% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMON ROAD, SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 12.78% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND AND COMPANY, LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | VISION SERVICE PLAN | $1K | — | $1K | 6.18% |
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 | 416 | 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) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH SERVICES, LLC | 264 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $160K |
| Vision | VISION SERVICE PLAN | 116 | $17K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 416 | $68K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 416 | $68K |
| Prescription drug(2 contracts, 2 carriers) | EMBLEMHEALTH SERVICES, LLC | 264 | $2.2M |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 416 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.