| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $62K | $62K | 4.15% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.37% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EASTTOWER UNIONDALE, NY 11556 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 4.06% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $8K | $14K | 20.24% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | EYEMED VISION CARE | $1K | — | $1K | 8.28% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | EYEMED VISION CARE | $261 | — | $261 | 1.67% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $508 | — | $508 | 4.31% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.5M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 215 | $88K |
| Vision | EYEMED VISION CARE | 242 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $67K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $67K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.