| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC Filed as: ACRISUE LLC | 120 EAGLE ROCK AVE STE 195 EAST HANOVER, NJ 07936 | LINCOLN LIFE & ANNUITY CO OF NY | $7K | $63K | $71K | 11.18% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY CO OF NY | — | $63K | $63K | 10.00% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $99K | $5K | $103K | 21.87% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE STE 3700 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 2.44% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $77K | $19K | $96K | 25.00% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE STE 3700 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 2.90% |
| ACRISURE LLC Filed as: ACRISUE LLC | 120 EAGLE ROCK AVE STE 195 EAST HANOVER, NJ 07936 | LINCOLN LIFE & ANNUITY CO OF NY | $5K | $22K | $27K | 12.12% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY CO OF NY | — | $22K | $22K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE EIN 23-7391136 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | — | $1.8M |
| JMS ASSOCIATES EIN 82-3287696 NONE | Accounting (including auditing) Service code 10 | 89 JOSEPH AVENUE STATEN ISLAND, NY 10304 | $312K |
| BRIAN SABBAGH EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $227K |
| SEGAL CONSULTANTS EIN 13-1835864 NONE | Actuarial Service code 11 | 333 WEST 34TH ST NEW YORK, NY 10001 | $225K |
| JOHN J DELANEY JR EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $197K |
| COLLERAN, O'HARA & MILLS EIN 11-2940050 NONE | Legal Service code 29 | 100 CROSSWAYS PARK DR W 200 WOODBURY, NY 11797 | $193K |
| IAN Y. CHAN EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $188K |
| JIM DUFFICY EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $183K |
| ELSIE E O'NEILL EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $183K |
| LUCIA D. BAUKNIGHT EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $167K |
| WESTERN ASSET MANAGEMENT CO EIN 98-9999999 NONE | Investment management Service code 28 | — | $152K |
| DOREEN STENNETT EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $131K |
| ZIEGLER CAPITAL MANAGEMENT EIN 98-9999999 NONE | Investment management Service code 28 | — | $115K |
| GARRENT L LEUNG EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $111K |
| KEVIN CUSH EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $110K |
| LI CHAN EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $93K |
| DORI MELFI EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $89K |
| DEDEN ZAENUDIN EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| MARY HOFFMAN EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $83K |
| MICHAEL CANNALONGA EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $70K |
| DAVID CHEUNG EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $64K |
| MUKESH KHEMANI EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $64K |
| MANNING & NAPIER EIN 98-9999999 NONE | Investment advisory (plan) Service code 27 | — | $60K |
| PHONG NGO EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| LORI DALTON EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $58K |
| GRASSI & CO CPAS EIN 11-3266576 NONE | Accounting (including auditing) Service code 10 | 50 JERICHO QUADRANGLE, SUITE 200 JERICHO, NY 11753 | $56K |
| STEVEN N DAVI EIN 98-9999999 NONE | Legal Service code 29 | 40 UNQUA PLACE AMITYVILLE, NY 11701 | $55K |
| JJ PIERSON EIN 37-1801501 NONE | Legal Service code 29 | 1583 SAUCON VALLETY ROAD BETHLHEM, PA 180155259 | $48K |
| CHARTWELL INVESTMENT PARTNERS, LLC EIN 98-9999999 NONE | Investment management Service code 28 | — | $46K |
| ELEANOR WANG EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $38K |
| MORGAN STANLEY SMITH BARNEY EIN 98-9999999 NONE | Custodial (securities) Service code 19 | — | $12K |
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 | 1,959 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,026 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,985 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY CO OF NY | 4,344 | $1.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,814 | $383K |
| Other(4 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY CO OF NY | 4,344 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,344 | — |
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.