| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 701 B STREET SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | $200K | $1K | $202K | 5.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $15K | — | $15K | 0.42% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVENUE 12TH FLOOR NEW YORK, NY 10016 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 11.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $496 | — | $496 | 0.97% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 101 PARK AVENUE 12 FLOOR NEW YORK, NY 10016 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 11.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $416 | — | $416 | 0.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERCIES INC | 101 PARK AVENUE 12TH FLOOR NEW YORK, NY 10016 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 11.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10114 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $265 | — | $265 | 0.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVENUE 12 FLOOR NEW YORK, NY 10016 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 11.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR HUDSON, NY 10014 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $114 | — | $114 | 0.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 101 PARK AVENUE 12TH FLOOR NEW YORK, NY 10016 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $358 | — | $358 | 11.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $29 | — | $29 | 0.90% |
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 | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 391 | $3.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 391 | $3.7M |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 158 | $57K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 87 | $28K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 158 | $51K |
| Other(2 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 158 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.