| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | — | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $12K | $15K | 22.62% |
| EMERSON REID LLC3 | — | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $3K | $3K | 5.00% |
| EMERSON REID LLC3 | — | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $3K | $3K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE BLUE CROSS AND BLUE SHEILD EIN 23-7391136 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $491K |
| EMPLOYEES EIN 23-7218454 EMPLOYEES | Direct payment from the plan; Employee (plan) Service code 30 | — | $171K |
| SAVASTA AND COMPANY, INC EIN 13-3879959 NONE | Contract Administrator; Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $103K |
| WITHUMSMITH BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $59K |
| COHEN, WEISS & SIMON, LLP EIN 13-1592323 NONE | Legal; Direct payment from the plan Service code 29 | — | $51K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 15 | — | $47K |
| MED-REVIEW, INC. EIN 13-3240352 NONE | Other services; Direct payment from the plan Service code 49 | — | $19K |
| HEALTHPLEX, INC EIN 11-2714365 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $13K |
| PAUL DEMASI EIN 23-7218454 TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $8K |
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 | 646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,627 | $67K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,627 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,627 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.