| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $311K | $311K | 5.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $82K | $171K | $254K | 4.34% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $41K | $123K | $164K | 2.80% |
| ROSE & KIERNAN INC3 Filed as: ROSE AND KIERNAN, INC. | 159 WOLF ROAD, SUITE 200 ALBANY, NY 12205 | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | $1K | $0 | $1K | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | $1K | $0 | $1K | 1.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | $587 | $0 | $587 | 0.82% |
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 | 690 | 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) | 690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | 917 | $71K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 3,226 | $5.8M |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 3,226 | $5.8M |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 3,226 | $5.8M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 3,226 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,226 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.