| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS | 1 ADP BLVD, MS325 ROSELAND, NJ 07068 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 2.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 1133 WESTCHESTER AVE N-136 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $926 | — | $926 | 0.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $713 | — | $713 | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CTR FL 7E PO BOX 26945 BROOKLYN, NY 11245 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $197 | $21K | 17.65% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13K | $3K | $16K | 13.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11K | — | $11K | 9.02% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 W. 39TH ST. RM 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $83 | — | $83 | 0.07% |
| RUSSELL J CARPENTIERI3 | 500 OCEAN DR. APT 9 ED JUNO BEACH, FL 33408 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.92% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS | 1 ADP BLVD, MS325 ROSELAND, NJ 07068 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 2.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 1133 WESTCHESTER AVE N-136 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 1.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $801 | — | $801 | 0.86% |
| RUSSELL J CARPENTIERI3 | 500 OCEAN DRIVE APT 9ED JUNO BEACH, FL 33408 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.67% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INC. | 1 ADP BLVD, MS325 ROSELAND, NJ 07068 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $166 | $166 | 2.91% |
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 | 641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 651 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 625 | $12.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $107K |
| Vision | EYEMED | 805 | $39K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 526 | $356K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 471 | $33K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 585 | $200K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 323 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.