| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $12K | $12K | 10.13% |
| ACRISURE LLC | 120 EAGLE ROCK AVE, SUITE 195 EAST HANOVER, NJ 07936 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 3.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $174K |
| ANGELO CORDISCO EIN 11-1964991 PLAN ADMINISTRATOR | Employee (plan) Service code 30 | — | $153K |
| INSURANCE DESIGN ADMINISTRATORS EIN 13-3155962 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $125K |
| MARIANNE STAITI EIN 11-1964991 OFFICE MANAGER | Employee (plan) Service code 30 | — | $73K |
| STEPHEN MOGILA EIN 11-1964991 GENERAL COUNSEL | Employee (plan) Service code 30 | — | $64K |
| DECUSOFT, LLC EIN 84-5099151 CONSULTANTS | Consulting (general) Service code 16 | — | $57K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 INVESTMENT CUSTODIAN | Custodial (securities); Investment advisory (plan); Other investment fees and expenses Service code 19 | — | $44K |
| NINA DICIOCCIO EIN 11-1964991 ADMIN ASSISTANT | Employee (plan) Service code 30 | — | $40K |
| GETTRY MARCUS CPA, P.C. EIN 13-3418879 ACCOUNTANTS | Accounting (including auditing) Service code 10 | — | $40K |
| KIM BLAIR EIN 11-1964991 ADMIN ASSISTANT | Employee (plan) Service code 30 | — | $37K |
| BUCHBINDER TUNICK & COMPANY LLP EIN 13-1578842 AUDITORS | Accounting (including auditing) Service code 10 | — | $28K |
| FIRST ACTUARIAL CONSULTING EIN 26-3842522 ACTUARY | Actuarial Service code 11 | — | $26K |
| GLASSER TECH LLC EIN 26-1650921 CONSULTANTS | Consulting (general) Service code 16 | — | $24K |
| MICHAEL J. COMERFORD, P.C. EIN 11-3297085 ATTORNEYS | Legal Service code 29 | — | $16K |
| UNION BENEFIT PLANNERS, INC. EIN 26-3554645 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $9K |
| MZQ CONSULTING EIN 11-1964991 CONSULTANTS | Consulting (general) Service code 16 | — | $8K |
| TIMOTHY R. HOTT, ESQ. EIN 22-3724341 ATTORNEY | Legal Service code 29 | — | $8K |
| JOHN HANCOCK EIN 01-0233346 CONSULTANTS | Consulting (general) Service code 16 | — | $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 | 503 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 644 | $120K |
| Other | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 644 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.