| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE CONSULTING SVCS INC3 Filed as: CORPORATE CONSULTING SVCS LTD | 605 3RD AVE FL 24 NEW YORK, NY 10158 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $3K | — | $3K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $1K | — | $1K | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $5K | — | $5K | 9.15% |
| CORPORATE CONSULTING SERVICES3 Filed as: CORPORATE CONSULTING SERVICES LTD | 605 3RD AVE FL 24 NEW YORK, NY 10158 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $3K | — | $3K | 5.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $2K | — | $2K | 9.81% |
| CORPORATE CONSULTING SERVICES3 Filed as: CORPORATE CONSULTING SERVICES LTD. | 605 3RD AVE FL 24 NEW YORK, NY 10158 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $1K | — | $1K | 5.19% |
| CORPORATE CONSULTING SERVICES3 Filed as: CORPORATE CONSULTING SERVICES LTD | 605 3RD AVE FL 24 NEW YORK, NY 10158 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $853 | — | $853 | 5.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $823 | — | $823 | 4.96% |
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 | 1,926 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NY | 1,476 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,476 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.