| 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. | $36K | $4K | $40K | 3.95% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST LLC | 445 HAMILTON AVE WHITE PLAINS, NY 10601 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 1.23% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 8.93% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 5.25% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE 10TH FLOOR WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 8.26% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $96 | $96 | 0.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 15.79% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $860 | $860 | 5.23% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 36.71% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $661 | $661 | 5.23% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 24.58% |
| 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 | $661 | — | $661 | 20.38% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $170 | $170 | 5.24% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $251 | — | $251 | 14.99% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $84 | $84 | 5.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $175 | — | $175 | 36.69% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $25 | $25 | 5.24% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 105 | $1.0M |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 60 | $60K |
| Vision | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 53 | $5K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 65 | $16K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 15 | $477 |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 65 | $13K |
| Other(5 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 160 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.