| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.50% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & COMPANY LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $776 | $4K | 1.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC, | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 3.01% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO, | 725 RXR PLAZA,EAST TOWER UNIONDALE, NY 11556 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 2.93% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO.,LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | EYEMED VISION CARE | $5K | — | $5K | 6.68% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | ATTN MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $449 | $4K | 53.40% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & COMPANY LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $661 | $44 | $705 | 8.98% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $37 | $37 | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSING | Claims processing; Other services Service code 12 | — | $193K |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 CLAIMS PROCESSING | Contract Administrator Service code 13 | — | $13K |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 BROKER | Other commissions Service code 55 | 701 B ST FL 6 SAN DIEGO, CA 921018156 | $0 |
| CHERNOFF DIAMOND & CO LLC EIN 11-2836994 BROKER | Other commissions Service code 55 | EAST TOWER 725 RXR PLZ UNIONDALE, NY 115563817 | $0 |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $175K |
| Vision(3 contracts) | EYEMED VISION CARE | 490 | $79K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $215K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $207K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 526 | $362K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.