| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 261 MADISON AVENUE 602 UNIONDALE, NY 11556 | WESCO INSURANCE COMPANY | $18K | — | $18K | 7.44% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 5.08% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 261 MADISON AVENUE 602 UNIONDALE, NY 11556 | WESCO INSURANCE COMPANY | $3K | — | $3K | 10.77% |
| EMERSON REID LLC3 | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $690 | — | $690 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE CO EIN 06-6033492 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $671K |
| CHERNOFF DIAMOND & CO LLC EIN 11-2836994 INSURANCE BROKER | Other commissions Service code 55 | — | $180K |
| CIGNA EIN 59-1031071 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $148K |
| SPECTERA INC EIN 52-1260282 ADMINISTRATOR | Contract Administrator Service code 13 | — | $10K |
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 | 924 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 924 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 924 | $300K |
| Short-term disability(3 contracts, 2 carriers) | WESCO INSURANCE COMPANY | 1,001 | $429K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 924 | $92K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 924 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,001 | — |
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.