| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN CORPORATE BENEFITS INC3 Filed as: AMERICAN CORPORATE BENEFITS | 62 WILLIAM STREET 4TH FL NEW YORK, NY 10005 | DELTA DENTAL OF NEW YORK | $9K | — | $9K | 5.00% |
| AMERICAN CORPORATE BENEFITS INC3 Filed as: AMERICAN CORPORATE BENEFITS INC. | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 3.54% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 8.00% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 15.00% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $658 | $3K | 8.98% |
| GA SOLUTIONS LLC3 Filed as: GA SOLUTIONS | 50 BROADWAY AVENUE SUITE 2 HAWTHORNE, NY 10532 | PRINCIPAL LIFE INSURANCE COMPANY | $910 | $739 | $2K | 5.54% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| AMERICAN CORPORATE BENEFITS INC3 Filed as: AMERICAN CORPORATE BENEFITS | 62 WILLIAM STREET 4TH FL NEW YORK, NY 10005 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $385 | — | $385 | 5.33% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $130 | — | $130 | 3.90% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $234 | — | $234 | 8.01% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $380 | — | $380 | 14.99% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $167 | — | $167 | 14.96% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 165 | $185K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $30K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 157 | $53K |
| Short-term disability(2 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 37 | $36K |
| Long-term disability(2 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 156 | $52K |
| Stop-loss / reinsurancereinsurance | ACE AMERICAN INSURANCE COMPANY | 325 | $555K |
| Other(7 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 157 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.