| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 400 COLUMBUS AVE STE 125S VALHALLA, NY 10595 | AETNA LIFE INSURANCE COMPANY | $39K | — | $39K | 3.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND | FINANCIAL SVCS. 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE COMPANY | $16K | — | $16K | 1.28% |
| TOTAL INSURANCE BROKERAGE, LLC3 Filed as: TOTAL INSURANCE BKRGE LLC | 5 HILLENDALE AVE 2ND FL STAMFORD, CT 06902 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 0.89% |
| ACRISURE LLC3 Filed as: FOA & SON | 122 E 42ND STREET 46TH FL NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 7.08% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL SVC INC | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $289 | — | $289 | 0.84% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND | FINANCIAL SVCS 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $263 | $263 | 0.77% |
| ACRISURE LLC3 Filed as: FOA & SON | 122 E 42ND STREET 46TH FL NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 6.61% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $541 | — | $541 | 3.39% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | SERVICES 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $271 | $271 | 1.70% |
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 264 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 264 | $1.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 264 | $1.2M |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 203 | $34K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 26 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.