| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER2 UNIONDALE, NY 11556 | AETNA LIFE INSURANCE COMPANY | $23K | — | $23K | 2.44% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 1.26% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 11556 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 0.92% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.93% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.91% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | METROPOLITAN LIFE INSURANCE COMPANY | $952 | $119 | $1K | 2.49% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10118 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $3K | $7K | 26.44% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10118 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $2K | $4K | 20.32% |
| EMERSON REID LLC3 | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | GUARDIAN | $632 | $299 | $931 | 14.71% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | GUARDIAN | $443 | — | $443 | 7.00% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $947 | $756 | $2K | 26.98% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10118 | LINCOLN LIFE & ANNUITY COMPANY OF NEWYORK | $430 | $284 | $714 | 23.17% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $341 | — | $341 | 12.01% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $341 | — | $341 | 12.01% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 101 | $958K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 40 | $43K |
| Vision | GUARDIAN | 40 | $6K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 153 | $21K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEWYORK | 5 | $3K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 37 | $28K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 153 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.