| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $90K | $0 | $90K | 13.74% |
| ACRISURE LLC3 Filed as: FOA & SON | 200 BROADHOLLOW RD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $8K | $0 | $8K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $70 | $70 | 0.13% |
| ACRISURE LLC3 Filed as: FOA & SON | 200 BROADHOLLOW RD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 8.01% |
| SYNOLO LLC3 | 25 SEIR HILL RD NORWALK, CT 06850 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 3.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $72 | $72 | 0.21% |
| ACRISURE LLC3 Filed as: FOA & SON | 200 BROADHOLLOW RD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $0 | $5K | 15.00% |
| SYNOLO LLC3 | 25 SEIR HILL RD NORWALK, CT 06850 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $950 | $950 | 3.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $96 | $96 | 0.30% |
| SYNOLO LLC3 | 25 SEIR HILL RD NORWALK, CT 06850 | COMBINED INSURANCE | $4K | $0 | $4K | 14.58% |
| ACRISURE LLC3 Filed as: FOA & SONS CORP | 122 E 42ND STREET 46 FLOOR NEW YORK, NY 10168 | COMBINED INSURANCE | $2K | $0 | $2K | 5.38% |
| ACRISURE LLC3 Filed as: FOA & SONS CORP | 122 E 42ND STREET 46 FLOOR NEW YORK, NY 10168 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 10.86% |
| ACRISURE LLC3 Filed as: FOA & SON | 200 BROADHOLLOW RD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $817 | $3K | 13.74% |
| SYNOLO LLC3 | 25 SEIR HILL RD NORWALK, CT 06850 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $408 | $408 | 2.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $42 | $42 | 0.21% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 263 | $654K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 263 | $654K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 258 | $22K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 289 | $52K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 290 | $34K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 91 | $53K |
| Other(2 contracts, 2 carriers) | COMBINED INSURANCE | 289 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.