| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $19K | $19K | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 565 5TH AVENUE, 5TH FLOOR NEW YORK, NY 10017 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $18K | $0 | $18K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $185 | $0 | $185 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $19K | $19K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 565 5TH AVENUE, 5TH FLOOR NEW YORK, NY 10017 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $17K | $0 | $17K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 565 5TH AVENUE, 5TH FLOOR NEW YORK, NY 10017 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $1K | $0 | $1K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $706 | $706 | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | VISION SERVICE PLAN | $412 | $0 | $412 | 1.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 565 5TH AVENUE, 5TH FLOOR NEW YORK, NY 10017 | DELTA DENTAL OF NEW YORK | $510 | $0 | $510 | 3.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $226 | $226 | 15.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 565 5TH AVENUE, SUITE 500 5TH FLOOR NEW YORK, NY 10017 | ZURICH AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 2.99% |
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 | 854 | 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) | 854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 117 | $17K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 514 | $73K |
| Life insurance(2 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,298 | $1.2M |
| Short-term disability(3 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,298 | $1.2M |
| Long-term disability(2 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,298 | $1.2M |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,298 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,298 | — |
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.