| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC Filed as: CHERNOFF DIAMOND & CO | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | EMBLEMHEALTH | $52K | — | $52K | 2.03% |
| USI INSURANCE SERVICES LLC | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | EMBLEMHEALTH | $51K | — | $51K | 1.97% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $2K | $33K | 4.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $37K | $55K | 7.69% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $938 | $21K | 4.45% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 3.59% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | EMBLEMHEALTH | $7K | — | $7K | 1.86% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | EMBLEMHEALTH | $5K | — | $5K | 1.51% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $41K | $2K | $43K | 19.59% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $31K | $2K | $33K | 15.67% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $18K | $789 | $19K | 13.86% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER A CHERNOFF | 725 RXR PLZ UNIONDALE, NY 115563817 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 3.45% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $12K | $589 | $12K | 19.22% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $11K | $519 | $12K | 19.16% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN ST STE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $3 | $18K | 32.64% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $181 | $14K | 24.29% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN ST STE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 33.26% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $164 | $12K | 24.35% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN ST STE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3 | $13K | 32.37% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $137 | $9K | 23.92% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $6K | $300 | $6K | 15.46% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $80 | $2K | 4.74% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $217 | $4K | 16.64% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 13.25% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $169 | $4K | 27.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE CO | $2K | — | $2K | 17.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE CO | $2K | — | $2K | 17.00% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $914 | $56 | $970 | 11.57% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | — | $1K | 13.18% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $701 | — | $701 | 10.27% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $626 | $17 | $643 | 13.13% |
| DAVID PAPERNO4 | 78347 GRAPE ARBOR AVE PALM DESERT, CA 92211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $475 | — | $475 | 11.91% |
| ARNUM WAPPLES4 | 14325 84TH DR, APT 4A BRIARWOOD, NY 11435 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $158 | — | $158 | 3.96% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $271 | — | $271 | 10.67% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $182 | — | $182 | 11.58% |
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 | 4,373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | EMBLEMHEALTH | 686 | $3.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,584 | $2.4M |
| Vision(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,268 | $464K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,373 | $1.3M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,373 | $805K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,373 | $805K |
| Prescription drug(3 contracts, 2 carriers) | EMBLEMHEALTH | 267 | $3.7M |
| Other(19 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,373 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,268 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.