| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN CORPORATE BENEFITS INC3 Filed as: AMERICAN CORPORATE BENEFITS INC. | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | DELTA DENTAL OF NEW YORK | $25K | — | $25K | 5.00% |
| AMERICAN CORPORATE BENEFITS INC3 Filed as: AMERICAN CORPORATE BENEFITS | 62 WILLIAM STREET FOURTH FLOOR NEW YORK, NY 10005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| AMERICAN CORPORATE BENEFITS INC3 Filed as: AMERICAN CORPORATE BENEFITS | 62 WILLIAM STREET FOURTH FLOOR NEW YORK, NY 10005 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 3.21% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET FOURTH FLOOR NEW YORK, NY 10005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET FOURTH FLOOR NEW YORK, NY 10005 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| BEACON WORKSITE LLC3 Filed as: BEACON WORKSITE, LLC | 125 WOLF ROAD ALBANY, NY 12205 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $453 | — | $453 | 3.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 400 POST AVENUE WESTBURY, NY 11596 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $143 | — | $143 | 0.95% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $80 | — | $80 | 0.53% |
| WILLIAM VELTO3 | 4 SPENCER COURT ORANGEBURG, NY 10962 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $61 | — | $61 | 0.40% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 400 POST AVENUE WESTBURY, NY 11596 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $21 | — | $21 | 0.14% |
| AMERICAN CORPORATE BENEFITS INC3 Filed as: AMERICAN CORPORATE BENEFITS INC. | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | PRINCIPAL LIFE INSURANCE COMPANY | $879 | $291 | $1K | 8.03% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVE ROOM 703 NEW YORK, NY 10017 | PRINCIPAL LIFE INSURANCE COMPANY | $232 | $80 | $312 | 2.14% |
| GA SOLUTIONS LLC3 Filed as: GA SOLUTIONS | 50 BROADWAY SUITE 2 HAWTHORNE, NY 10532 | PRINCIPAL LIFE INSURANCE COMPANY | $205 | — | $205 | 1.41% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DRIVE JERICHO, NY 11753 | AFLAC | $3K | — | $3K | — |
| CHRISTINE WALSH3 | 255 WEST NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $832 | — | $832 | — |
| JACQUES P DAVID CORPORATION3 | 66 POWERHOUSE ROAD SUITE 403 ROSLYN HEIGHTS, NY 11577 | AFLAC | $603 | — | $603 | — |
| EMERSON REID LLC3 | 15 ENGLE STREET 3RD FLOOR ENGLEWOOD, NJ 07631 | AFLAC | $471 | — | $471 | — |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $372 | — | $372 | — |
| DAWN SIEGEL3 | 90 MURRAY ST NORWALK, CT 06851 | AFLAC | $72 | — | $72 | — |
| DAWN SIEGEL3 | 10421 68TH DRIVE APARTMENT A35 FOREST HILLS, NY 11375 | AFLAC | $36 | — | $36 | — |
| DOMINICK R ROTINDO3 | 311 FORDHAM DRIVE LAKE WORTH, FL 33460 | AFLAC | $7 | — | $7 | — |
| MARCELLUS BRYANT3 | 17 QUINTARD DRIVE PORT CHESTER, NY 10573 | AFLAC | $6 | — | $6 | — |
| FRIDAY CD FLATT3 | 311 FORDHAM DRIVE LAKE WORTH, FL 33460 | AFLAC | $3 | — | $3 | — |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $2 | — | $2 | — |
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 | 961 | 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) | 961 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 333 | $2.8M |
| Dental | DELTA DENTAL OF NEW YORK | 1,014 | $499K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 426 | $15K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 179 | $36K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 35 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $41K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,014 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.