| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 68 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 1.78% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST STREET STE 400 SANTA ANA, CA 92705 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $7K | $7K | 4.59% |
| ACRISURE LLC3 Filed as: FOA & SON | 122 E 42ND STREET 46TH FL NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $4K | $7K | 4.54% |
| ACRISURE LLC3 Filed as: FOA & SON | 122 E 42ND STREET 46TH FL NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $3K | $5K | 4.48% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST STREET STE 400 SANTA ANA, CA 92705 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 1.83% |
| ACRISURE LLC3 Filed as: FOA & SON | 122 E 42ND STREET 46TH FL NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $3K | $5K | 4.91% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST STREET STE 400 SANTA ANA, CA 92705 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 1.83% |
| 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 | 4.57% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST STREET STE 400 SANTA ANA, CA 92705 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $903 | $903 | 1.84% |
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 122 E 42ND STREET 46TH FL NEW YORK, NY 10168 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 4.35% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST STREET STE 400 SANTA ANA, CA 92705 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $555 | $555 | 4.69% |
| ACRISURE LLC3 Filed as: FOA & SON | 122 E 42ND STREET 46TH FL NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $237 | $237 | $474 | 4.01% |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 683 | $579K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 571 | $37K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 448 | $200K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 236 | $103K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 448 | $114K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 683 | $579K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 683 | $792K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.