| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY INC | 595 STEWART AVENUE 6TH FLOOR GARDEN CITY, NY 11530 | ZURICH NORTH AMERICAN INSURANCE COMPANY | $31K | — | $31K | 9.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY | 595 STEWART AVENUE GARDEN CITY, NY 11530 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 4.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY | 595 STEWART AVENUE GARDEN CITY, NY 11530 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 9.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY | 595 STEWART AVENUE GARDEN CITY, NY 11530 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 8.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY INC | 595 STEWART AVENUE GARDEN CITY, NY 11530 | VISION SERVICE PLAN | $1K | — | $1K | 5.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY | 595 STEWART AVENUE GARDEN CITY, NY 11530 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 15.00% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 162 | $23K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 154 | $63K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 91 | $31K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 167 | $41K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 158 | $340K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 303 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.