| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $12K | $12K | 9.93% |
| ACRISURE LLC3 | 65 MADISON AVE STE 200 CHESTER, NJ 07930 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $5K | $9K | 7.26% |
| ACRISURE LLC3 | 65 MADISON AVE STE 200 CHESTER, NJ 07930 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $566 | $2K | 14.90% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 9.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOINT INDUSTRY BOARD EIN 13-0891035 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $77K |
| DEUTSCHE BANK EIN 13-6065488 NONE | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $6K |
| STATE STREET BANK & TRUST COMPANY EIN 04-1867445 NONE | Direct payment from the plan; Other fees; Investment management Service code 28 | — | $810 |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 196 | $118K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 196 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.