| 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 | $12K | — | $12K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $8K | $8K | 9.67% |
| 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 | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $6K | $6K | 9.63% |
| GERALD L STONE3 | PO BOX 1139 HOGANSBURG, NY 13655 | LLINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $8K | — | $8K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | LLINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $5K | $5K | 9.65% |
| GERALD L STONE3 | PO BOX 1139 HOGANSBURG, NY 13655 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 50.03% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN &ASSOCIATES LLC | 1933 STATE RTE 35 STE368 WALL TOWNSHIP, NJ 07719 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $789 | $789 | 10.00% |
| GERALD L STONE3 | PO BOX 1139 HOGANSBURG, NY 13655 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 55.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN &ASSOCIATES LLC | 1933 STATE RTE 35 STE368 WALL TOWNSHIP, NJ 07719 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $766 | $766 | 10.09% |
| GERALD L STONE3 | PO BOX 1139 HOGANSBURG, NY 13655 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $134K |
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 | 380 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 397 | $19K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 380 | $78K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 388 | $67K |
| Long-term disability | LLINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 125 | $54K |
| Other(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 380 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.