| 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 | $11K | — | $11K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $4K | $4K | 5.30% |
| GERALD L STONE3 | PO BOX 1139 HOGANSBURG, NY 13655 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $10K | — | $10K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $4K | $4K | 5.31% |
| GERALD L STONE3 | PO BOX 1139 HOGANSBURG, NY 13655 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $8K | — | $8K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 5.42% |
| EMPLOYEE COVERAGE SOLUTIONS LLC3 Filed as: EMPLOYEE COVERAGE SOLUTIONS | 4300 CINNAMON PATH LIVERPOOL, NY 13090 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $365 | — | $365 | 1.49% |
| ANSON A BURKE3 | 51 STOUGHTON AVE MASSENA, NY 13662 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $170 | — | $170 | 0.70% |
| KING CLARK CO INC3 | 3415 STATE RT 11 MALONE, NY 12953 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $65 | — | $65 | 0.27% |
| TIMOTHY GUBA3 | 42 NORTH RESEVOIR ST COHOES, NY 12953 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $28 | — | $28 | 0.11% |
| ROBERT GEIB3 | 14 DENISON ROAD SCHENECTADY, NY 12309 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $23 | — | $23 | 0.09% |
| GERALD L STONE3 | PO BOX 1139 HOGANSBURG, NY 13655 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 10.32% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $876 | $876 | 5.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 ADMINISTRATOR | Claims processing Service code 12 | — | $137K |
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 | 315 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 315 | 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 | 315 | $113K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 347 | $68K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 137 | $52K |
| Other(2 contracts, 2 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 315 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.