| 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 | $9K | — | $9K | 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 | 3.29% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET FOURTH FLOOR NEW YORK, NY 10005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BEACON WORKSITE LLC3 Filed as: BEACON WORKSITE, LLC | 125 WOLF ROAD ALBANY, NY 12205 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $433 | — | $433 | 2.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $124 | — | $124 | 0.82% |
| AMERICAN CORP BENEFITS INC3 | 62 WILLIAN STREET 4TH FLOOR NEW YORK, NY 10005 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $96 | — | $96 | 0.64% |
| WILLIAM VELTO3 | 4 SPENCER COURT ORANGEBURG, NY 10962 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $53 | — | $53 | 0.35% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $12 | — | $12 | 0.08% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | PRINCIPAL LIFE INSURANCE COMPANY | $870 | $249 | $1K | 9.31% |
| GA SOLUTIONS LLC3 | 50 BROADWAY SUITE 2 HAWTHORNE, NY 10532 | PRINCIPAL LIFE INSURANCE COMPANY | $373 | $253 | $626 | 5.21% |
| 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% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DRIVE JERICHO, NY 11753 | AFLAC | $3K | — | $3K | — |
| CHRISTINE WALSH3 | 255 WEST NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $824 | — | $824 | — |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $588 | — | $588 | — |
| EMERSON REID LLC3 | 15 ENGLE STREET 3RD FLOOR ENGLEWOOD, NJ 07631 | AFLAC | $482 | — | $482 | — |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $370 | — | $370 | — |
| DAWN MASCHAS3 | 11 RACEBROOK DRIVE BETHEL, CT 06801 | AFLAC | $93 | — | $93 | — |
| DAWN SIEGEL3 | 11 RACEBROOK DRIVE BETHEL, CT 06801 | AFLAC | $13 | — | $13 | — |
| DOMINICK R ROTINDO3 | 10315 NORTH ANDOVER COACH LANE APARTMENT B2 LAKE WORTH, FL 33449 | AFLAC | $10 | — | $10 | — |
| MARCELLUS BRYANT3 | 17 QUINTARD DRIVE PORT CHESTER, NY 10573 | AFLAC | $9 | — | $9 | — |
| FRIDAY CD FLATT3 | 10315 NORTH ANDOVER COACH LANE APARTMENT B2 WELLINGTON, FL 33449 | AFLAC | $5 | — | $5 | — |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $4 | — | $4 | — |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $3 | — | $3 | — |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $3 | — | $3 | — |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $1 | — | $1 | — |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $0 | — | $0 | — |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 168 | $173K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $12K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 168 | $33K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 33 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $38K |
| Stop-loss / reinsurancereinsurance | ACE AMERICAN INSURANCE COMPANY | 325 | $555K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.