| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $1K | $4K | 3.44% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 2.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 2.60% |
| USI INSURANCE SERVICES LLC3 | 7 WEST 3RD STREET JAMESTOWN, NY 14704 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 2.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $155 | $155 | 0.14% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II, STE 305 ELMWOOD PARK, NJ 07407 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $120 | $120 | 0.11% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $11 | $11 | 0.01% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH BENEFITS CORPORATION | 133 | $79K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 149 | $108K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 149 | $108K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 149 | $108K |
| Prescription drug | INDEPENDENT HEALTH BENEFITS CORPORATION | 133 | $79K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 149 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.