| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: JH COHN CHERNOFF DIAMOND, LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA | $33K | — | $33K | 3.99% |
| ACRISURE LLC3 Filed as: JH COHN CHERNOFF DIAMOND LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.91% |
| ACRISURE LLC3 Filed as: JH COHN CHERNOFF DIAMOND LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.01% |
| ACRISURE LLC3 Filed as: JH COHN CHERNOFF DIAMOND LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.18% |
| ACRISURE LLC3 Filed as: JH COHN CHERNOFF DIAMOND, LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | VISION SERVICE PLAN | $9K | — | $9K | 10.00% |
| ACRISURE LLC3 Filed as: JH COHN CHERNOFF DIAMOND LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 16.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $848K |
| CHERNOFF DIAMOND & CO., LLC EIN 11-2836994 BROKER | Other commissions Service code 55 | — | $0 |
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 | 777 | 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) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA | 734 | $839K |
| Vision | VISION SERVICE PLAN | 644 | $88K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 300 | $302K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 777 | $358K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 777 | $227K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,907 | $983K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 300 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,907 | — |
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.