| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 68 S SERVICE RD STE 210 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | — | $69K | 14.05% |
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 200 BROADHOLLOW RD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $89 | $89 | 0.24% |
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 122 E 42ND STREET 46TH FL NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 8.58% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $66 | $66 | 0.23% |
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 122 E 42ND STREET 46TH FL NEW YORK, NY 10168 | EYEMED VISION CARE | $2K | — | $2K | 10.83% |
| ACRISURE LLC3 Filed as: FOA & SONS CORPORATION | 68 S SERVICE RD STE 210 MELVILLE, NY 11747 | CIGNA LIFE INSURANCE CO OF NEW YORK | $3K | — | $3K | 13.77% |
| ACRISURE LLC2 Filed as: FOA & SON | 200 BOADHOLLOW RD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $1K | $3K | 18.58% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $42 | $42 | 0.27% |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $491K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $491K |
| Vision | EYEMED VISION CARE | 252 | $23K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 256 | $53K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 258 | $29K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 83 | $20K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 256 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.