| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 122 E 42ND STREET 46TH FL NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $2K | $4K | 2.45% |
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 122 E 42ND STREET 46TH FL NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $637 | $4K | 13.08% |
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 122 E 42ND STREET 46TH FL NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $264 | $3K | 16.35% |
| 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 | $309 | $2K | 12.56% |
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 122 E 42ND STREET 46 FL NEW YORK, NY 10168 | EYEMED VISION CARE | $1K | — | $1K | 9.99% |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 210 | $171K |
| Vision | EYEMED VISION CARE | 300 | $15K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 232 | $35K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 232 | $33K |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 232 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.