| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS | 3 BATTERYMARCH PARK 4TH FL QUINCY, MA 02169 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $40K | $40K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $24K | $24K | 1.85% |
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS | 3 BATTERYMARCH PARK 4TH FL QUINCY, MA 02169 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $37K | $37K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $16K | $16K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 3.62% |
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS | 3 BATTERYMARCH PARK 4TH FL QUINCY, MA 02169 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 4.16% |
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS | 3 BATTERYMARCH PARK 4TH FL QUINCY, MA 02169 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 15.32% |
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS | 3 BATTERYMARCH PARK 4TH FL QUINCY, MA 02169 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INC EIN 35-2145715 INDEPENDENT CONTRACTOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Contract Administrator; Claims processing Service code 12 | — | $3.1M |
| CAPITAL RX EIN 35-2612946 INDEPENDENT CONTRACTOR | Claims processing Service code 12 | — | $528K |
| LINCOLN NATIONAL LIFE INSURANCE COM EIN 35-0472300 INDEPENDENT CONTRACTOR | Claims processing Service code 12 | — | $387K |
| DELTA DENTAL OF NEW YORK EIN 11-1980218 INDEPENDENT CONTRACTOR | Claims processing Service code 12 | — | $110K |
| MARSH & MCLENNAN AGENCY EIN 14-1624930 INDEPENDENT CONTRACTOR | Contract Administrator Service code 13 | — | $16K |
| EYEMED VISION EIN 31-1656473 INDEPENDENT CONTRACTOR | Claims processing Service code 12 | — | $14K |
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 | 16,273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 16,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 391 | $26K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 7,403 | $1.9M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 942 | $117K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 5,483 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,403 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.