| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC - EMPIRE | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $72K | — | $72K | 2.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC - EMPIRE | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $7K | — | $7K | 5.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 7.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET, SUITE 20 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD | $6K | — | $6K | 7.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD | $4K | — | $4K | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET, SUITE 20 SYRACUSE, NV 13204 | FIRST RELIANCE STANDARD | $3K | — | $3K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.21% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET, SUITE 20 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $127 | — | $127 | 0.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET, SUITE 20 SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $950 | — | $950 | 3.00% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 177 | $2.6M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 160 | $134K |
| Life insurance | FIRST RELIANCE STANDARD | 200 | $88K |
| Short-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 332 | $138K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $32K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 177 | $2.6M |
| Other | FIRST RELIANCE STANDARD | 200 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.