| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: FOA & SON | 122 E 42ND ST 46TH FL NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $1K | $5K | 14.26% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $176 | $176 | 0.49% |
| ACRISURE LLC3 Filed as: FOA & SON | 122 E 42ND ST 46TH FL NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $757 | $3K | 12.62% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $127 | $127 | 0.49% |
| ACRISURE LLC3 Filed as: FOA & SON | 122 E 42ND ST 46TH FL NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $746 | $3K | 12.57% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $126 | $126 | 0.49% |
| ACRISURE LLC3 Filed as: FOA & SON | 122 E 42ND ST 46TH FL NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $222 | $1K | 17.80% |
| JOHN LETO3 | 153 E FLAGLER ST #228 MIAMI, FL 33131 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $33 | $33 | 0.41% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 280 | $34K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 280 | $26K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 280 | $36K |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 280 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.