| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $33K | $3K | $36K | 24.70% |
| THE GRAHAM COMPANY3 Filed as: GRAHAM WILLIAM A COMPANY | ONE PENN SQUARE WEST 25TH FL PHILADELPHIA, PA 19102 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 4.32% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY STE 2 HAWTHORNE, NY 105321253 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.91% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES, LL | 50 BROADWAY HAWTHORNE, NY 10532 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.09% |
| THE GRAHAM COMPANY3 Filed as: GRAHAM WILLIAM A COMPANY | ONE PENN SQUARE WEST 25TH FL PHILADELPHIA, PA 19102 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $9K | — | $9K | 15.00% |
| THE GRAHAM COMPANY3 Filed as: GRAHAM WILLIAM A COMPANY | ONE PENN SQUARE WEST 25TH FL PHILADELPHIA, PA 19102 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 15.00% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | $9 | $2K | 10.81% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $133 | — | $133 | 10.75% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $65 | — | $65 | 25.00% |
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 | 609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | AFLAC | 149 | $161K |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 867 | $32K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 711 | $76K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 609 | $117K |
| Short-term disability(4 contracts) | AFLAC | 149 | $161K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 619 | $61K |
| Other(5 contracts, 2 carriers) | AFLAC | 609 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 867 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.