| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 400 COLUMBUS AVE VALHALLA, NY 105951359 | UNITED HEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 3.97% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $4K | $4K | 6.00% |
| GCG FINANCIAL LLC3 Filed as: FOA INSURANCE AN ALERA GROUP AGENCY | 200 BROADHOLLOW ROAD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 5.81% |
| ACRISURE LLC3 Filed as: FOA & SON | 200 BROADHOLLOW ROAD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 4.19% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $72 | $72 | 0.11% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 6.00% |
| ACRISURE LLC3 Filed as: FOA & SON | 200 BROADHOLLOW ROAD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 5.64% |
| GCG FINANCIAL LLC3 Filed as: FOA INSURANCE AN ALERA GROUP AGENCY | 200 BROADHOLLOW ROAD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 3.23% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $103 | $103 | 0.20% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 6.00% |
| ACRISURE LLC3 Filed as: FOA & SON | 200 BROADHOLLOW ROAD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 4.61% |
| GCG FINANCIAL LLC3 Filed as: FOA INSURANCE AN ALERA GROUP AGENCY | 200 BROADHOLLOW ROAD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 3.26% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $70 | $70 | 0.21% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 6.00% |
| ACRISURE LLC3 Filed as: FOA & SON | 200 BROADHOLLOW ROAD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 4.83% |
| GCG FINANCIAL LLC3 Filed as: FOA INSURANCE AN ALERA GROUP AGENCY | 200 BROADHOLLOW ROAD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 3.69% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $74 | $74 | 0.26% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $499 | $499 | 6.00% |
| GCG FINANCIAL LLC3 Filed as: FOA INSURANCE AN ALERA GROUP AGENCY | 200 BROADHOLLOW ROAD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $192 | — | $192 | 2.31% |
| ACRISURE LLC3 Filed as: FOA & SON | 200 BROADHOLLOW ROAD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $141 | — | $141 | 1.69% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BREACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $10 | $10 | 0.12% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 165 | $1.1M |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 104 | $66K |
| Vision | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 96 | $8K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 295 | $33K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 285 | $29K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 295 | $51K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 295 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.