| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERALD L STONE3 | PO BOX 1139 HOGANSBURG, NY 13655 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $13K | — | $13K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $9K | $9K | 9.88% |
| HUNTER FRANCIS3 | PO BOX 669 HOGANSBURG, NY 13655 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 4.39% |
| GERALD L STONE3 | PO BOX 1139 HOGANSBURG, NY 13655 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $13K | — | $13K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $8K | $8K | 9.67% |
| HUNTER FRANCIS3 | PO BOX 669 HOGANSBURG, NY 13655 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 5.03% |
| GERALD L STONE3 | PO BOX 1139 HOGANSBURG, NY 13655 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $13K | — | $13K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $8K | $8K | 9.53% |
| HUNTER FRANCIS3 | PO BOX 669 HOGANSBURG, NY 13655 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 5.65% |
| EMPLOYEE COVERAGE SOLUTIONS LLC3 Filed as: EMPLOYEE COVERAGE SOLUTIONS | 4300 CINNAMON PATH LIVERPOOL, NY 13090 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 6.14% |
| ANSON A BURKE3 | 51 STOUGHTON AVE MASSENA, NY 13662 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $410 | — | $410 | 1.11% |
| KING CLARK CO INC3 | 3415 STATE RT 11 MALONE, NY 12953 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $79 | — | $79 | 0.21% |
| TIMOTHY GUBA3 | 42 NORTH RESEVOIR ST COHOES, NY 12953 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $35 | — | $35 | 0.10% |
| ROBERT GEIB3 | 14 DENISON ROAD SCHENECTADY, NY 12309 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $23 | — | $23 | 0.06% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 9.74% |
| GERALD L STONE3 | PO BOX 1139 HOGANSBURG, NY 13655 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 9.02% |
| HUNTER FRANCIS3 | PO BOX 669 HOGANSBURG, NY 13655 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 5.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $83 | $83 | 1.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 ADMINISTRATOR | Claims processing Service code 12 | — | $214K |
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 | 391 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 391 | $146K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 421 | $92K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 184 | $95K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 391 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.