| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $18K | $18K | 10.73% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 2.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANGELO CORDISCO EIN 11-1964991 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 61-04 MAURICE AVE MASPETH, NY 11378 | $283K |
| ANTHEM BLUE CROSS BLUE SHEILD EIN 23-7391136 NONE | Other services; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $259K |
| STEPHEN MOGILA EIN 11-1964991 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 61-04 MAURICE AVE MASPETH, NY 11378 | $170K |
| INSURANCE DESIGN ADMINISTRATORS EIN 13-3155962 TPA | Direct payment from the plan; Claims processing Service code 12 | — | $120K |
| KIMBERLEY BLAIR EIN 11-1964991 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 61-04 MAURICE AVE MASPETH, NY 11378 | $102K |
| NINA DICIOCCIO EIN 11-1964991 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 61-04 MAURICE AVE MASPETH, NY 11378 | $89K |
| MICHAEL PISANTI EIN 11-1964991 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 61-04 MAURICE AVE MASPETH, NY 11378 | $72K |
| FIRST ACTUARIAL CONSULTING INC EIN 26-3842522 NONE | Consulting (general); Actuarial Service code 11 | — | $49K |
| MODERN ADMINISTRATION SYSTEMS LLC EIN 92-2010862 NONE | Custodial (securities); Recordkeeping and information management (computing, tabulating, data processing, etc.); Sales loads (front end and deferred) Service code 15 | — | $47K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 11-3658445 NONE | Investment advisory (plan); Other investment fees and expenses; Other commissions; Direct payment from the plan; Securities brokerage; Other services; Recordkeeping fees; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Securities brokerage commissions and fees Service code 15 | — | $44K |
| FITZSIMMONS ABRAMS, LLP EIN 13-2858927 NONE | Accounting (including auditing) Service code 10 | — | $36K |
| WEAVER & TIDWELL LLP EIN 75-0786316 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $29K |
| CITRIN COOPERMAN & COMPANY LLP EIN 22-2428965 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $26K |
| FRONTLINE MANAGED SERVICES NONE | Consulting (general); Direct payment from the plan Service code 16 | 701 EMERSON RD 400 CREVE COEUR, MO 63141 | $20K |
| MICHAEL J COMERFORD, P.C. EIN 11-3297085 NONE | Legal; Direct payment from the plan Service code 29 | — | $16K |
| HILB GROUP EIN 47-4324398 NONE | Direct payment from the plan; Insurance brokerage commissions and fees Service code 50 | — | $8K |
| ACRISURE LLC EIN 26-3554645 NONE | Insurance brokerage commissions and fees Service code 53 | — | $0 |
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 | 589 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 742 | $167K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 742 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
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.
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.