| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST LLC | 445 HAMILTON AVE 10TH FL WHITE PLAINS, NY 10601 | AETNA LIFE INSURANCE CO. | $93K | — | $93K | 5.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 11.87% |
| 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 | — | $2K | $2K | 5.37% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 16.72% |
| 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 | — | $1K | $1K | 5.37% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 14.52% |
| 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 | — | $707 | $707 | 5.37% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 23.96% |
| 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 | — | $396 | $396 | 5.37% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $757 | — | $757 | 13.48% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE 10TH FLOOR WHITE PLAINS, NY 10601 | FEDERAL INSURANCE COMPANY | $476 | — | $476 | 15.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $430 | — | $430 | 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 | — | $143 | $143 | 4.98% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 150 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO. | 150 | $1.8M |
| Vision | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 74 | $6K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 94 | $30K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 94 | $13K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 94 | $26K |
| Other(4 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 191 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.