| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOSTON INSURANCE EMPLOYEE BENEFITS5 | 18 RESEARCH PKWY STE 1600 WALLINGFORD, CT 064921931 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 8.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 064921963 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13 | $13 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: FOA INSURANCE AN ALERA GROUP AGENCY | 200 BROADHOLLOW RD STE 410 MELVILLE, CT 06492 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 9.55% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $83 | $83 | 0.19% |
| GCG FINANCIAL LLC3 Filed as: FOA INSURANCE AN ALERA GROUP AGENCY | 200 BROADHOLLOW RD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 9.47% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $38 | $38 | 0.17% |
| GCG FINANCIAL LLC3 Filed as: FOA INSURANCE AN ALERA GROUP AGENCY | 200 BROADHOLLOW RD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 13.13% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $876 | $876 | 5.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $34 | $34 | 0.19% |
| HOME OFFICE TPA PAYS COMMISSION3 | 5900 O ST LINCOLN, NE 685102234 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $1K | $0 | $1K | 8.39% |
| GCG FINANCIAL LLC3 Filed as: FOA INSURANCE AN ALERA GROUP AGENCY | 200 BROADHOLLOW RD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 19.77% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $726 | $726 | 5.00% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $148K |
| Vision | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 332 | $15K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 206 | $22K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 202 | $44K |
| Other(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 206 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.