| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST LLC | 123 MAIN ST 14TH FLOOR WHITE PLAINS, NY 10601 | AETNA LIFE INSURANCE CO. | $76K | — | $76K | 5.51% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $2K | $7K | 7.58% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $5K | $5K | 5.14% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $778 | $4K | 16.73% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR #4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 5.14% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | $604 | $7K | 37.33% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR #4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $931 | $931 | 5.14% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE 10TH FLOOR WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $109 | $1K | 12.42% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE #4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $122 | $122 | 1.22% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 24.86% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $277 | $2K | 22.69% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR #4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $385 | $385 | 5.11% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE 10TH FLOOR WHITE PLAINS, NY 10601 | FEDERAL INSURANCE COMPANY | $577 | — | $577 | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $295 | $66 | $361 | 18.34% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONL CIR #4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $98 | $98 | 4.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $229 | $17 | $246 | 41.84% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR #4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $30 | $30 | 5.10% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 107 | $1.4M |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 90 | $91K |
| Vision | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 86 | $8K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 99 | $23K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 18 | $588 |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 99 | $18K |
| Other(5 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 176 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.