| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY BEKAERT BENEFITS CONSULTING3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA | $15K | $247K | $263K | 4.05% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO., INC. | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA | — | $12K | $12K | 0.19% |
| EMERSON REID LLC3 | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $9K | $9K | 5.00% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 2.28% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO. LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | VISION SERVICE PLAN | $2K | — | $2K | 3.26% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 8.46% |
| EMERSON REID LLC3 | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | 5.00% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 11.89% |
| EMERSON REID LLC3 | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $831 | $831 | 5.00% |
| GOODRUM, PHILLIP, PORTER3 | 4400 PARK ROAD SUITE 307 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 48.14% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $705 | $67 | $772 | 13.17% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | ATT PHILLIP GOODRUM 4400 PARK ROAD SUITE 307 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $137 | $137 | 2.34% |
| GOODRUM, PHILLIP, PORTER3 | 4400 PARK ROAD SUITE 307 CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 61.81% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $276 | $18 | $294 | 16.46% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | ATT PHILLIP GOODRUM 4400 PARK ROAD, SUITE 307 CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $39 | $39 | 2.18% |
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 | 454 | 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) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 437 | $6.5M |
| Dental | CIGNA | 437 | $6.5M |
| Vision | VISION SERVICE PLAN | 389 | $59K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 454 | $187K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 454 | $52K |
| Other(4 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 454 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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."
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.