| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $26K | $35K | $61K | 6.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 350 CARMEL, IN 46032 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $23K | $16K | $39K | 4.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $32K | $32K | 3.42% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 3100 EAST MIRALOMA AVENUE SUITE 240 ANAHEIM, CA 92806 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $19K | $0 | $19K | 1.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $10K | $4K | $14K | 1.50% |
| KRONOS SAASHR INC3 Filed as: KRONOS SAASHR, INC. | 900 CHELMSFORD STREET LOWELL, MA 01851 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $10K | $0 | $10K | 9.17% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $733 | $0 | $733 | 1.41% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | AFLAC | $382 | $0 | $382 | 9.46% |
| DEBRA PARKER3 | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $29 | $0 | $29 | 0.72% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY AND CREW, INC. | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $28 | $0 | $28 | 0.69% |
| MJ INSURANCE3 Filed as: DAVID A COLLISON AND VARIOUS AGENTS | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $25 | $0 | $25 | 0.62% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $20 | $0 | $20 | 0.50% |
| ERIN HOLZSCHUH3 | 1372 COVELL ROAD BROCKPORT, NY 14420 | AFLAC | $13 | $0 | $13 | 0.32% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | AFLAC | $9 | $0 | $9 | 0.22% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $38 | $0 | $38 | 2.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $21 | $0 | $21 | 1.43% |
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 | 1,516 | 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) | 1,516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 668 | $105K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,516 | $999K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,516 | $946K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,516 | $946K |
| Other(5 contracts, 4 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,516 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,516 | — |
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.