| 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 | $55K | — | $55K | 4.28% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNITED HEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 1.27% |
| 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 | $7K | — | $7K | 10.00% |
| 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: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 4.96% |
| 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 | $5K | — | $5K | 8.15% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 6.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 5.30% |
| 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 | $3K | — | $3K | 7.46% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 6.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 5.30% |
| 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 | $3K | — | $3K | 8.37% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 6.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 5.31% |
| 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 | 15.00% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $809 | $809 | 6.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $706 | $706 | 5.23% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $448 | $448 | 5.99% |
| 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 | $299 | — | $299 | 4.00% |
| 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 | $404 | — | $404 | 10.01% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $242 | $242 | 5.99% |
| 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 | $497 | — | $497 | 15.00% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $199 | $199 | 6.00% |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 143 | $1.3M |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 97 | $66K |
| Vision | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 88 | $7K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 309 | $48K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 301 | $30K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 309 | $56K |
| Other(4 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 309 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.