| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE CO. | $21K | — | $21K | 4.07% |
| ACRISURE LLC3 | 100 OTTAWA AVE SE GRAND RAPIDS, MI 49503 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 2.99% |
| HAROLD L LEE & SONS INC3 | 31 PELL ST NEW YORK, NY 10013 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 1.09% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE COMPANY | $21K | — | $21K | 4.08% |
| ACRISURE LLC3 | 100 OTTAWA AVE SE GRAND RAPIDS, MI 49503 | AETNA LIFE INSURANCE COMPANY | $16K | — | $16K | 2.99% |
| HAROLD L LEE & SONS INC3 | 31 PELL STREET NEW YORK, NY 10013 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 1.09% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 31 PELL STREET NEW YORK, NY 10013 | FIRST UNUM LIFE INSURANCE COMPANY | $16K | $2K | $18K | 5.01% |
| ACRISURE LLC3 | 31 PELL ST NEW YORK, NY 10013 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $653 | $6K | 4.68% |
| ACRISURE LLC3 | 31 PELL ST NEW YORK, NY 10013 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $211 | $3K | 7.84% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49503 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ACRISURE LLC3 | 31 PELL STREET NEW YORK, NY 10013 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $159 | $5K | 15.52% |
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 | 991 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 994 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,158 | $526K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,158 | $1.1M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 464 | $42K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 573 | $356K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 573 | $488K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 464 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,158 | — |
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.