| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY BEKAERT BENEFITS CONSULTING3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA | $15K | $241K | $255K | 4.04% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC. | 669 RIVER DRIVE CTR II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA | — | $12K | $12K | 0.19% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA | — | $10K | $10K | 0.15% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $654 | $5K | 2.33% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | 1.35% |
| GOODRUM, PHILLIP, PORTER3 | 4400 PARK ROAD SUITE 307 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 50.51% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $831 | $10K | 13.82% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | ATT PHILLIP GOODRUM 4400 PARK ROAD SUITE 307 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.35% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO. LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | VISION SERVICE PLAN | $2K | — | $2K | 3.30% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $169 | $5K | 8.36% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $787 | $787 | 1.39% |
| GOODRUM, PHILLIP, PORTER3 | 4400 PARK ROAD SUITE 307 CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 64.05% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $4K | $250 | $4K | 17.08% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | ATT PHILLIP GOODRUM 4400 PARK ROAD, SUITE 307 CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $492 | $492 | 2.10% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $67 | $2K | 9.54% |
| BANYON CONSULTING3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $317 | $317 | 1.42% |
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 | 484 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 415 | $6.3M |
| Vision | VISION SERVICE PLAN | 347 | $58K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 484 | $227K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 484 | $57K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 484 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.