| 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 | OXFORD HEALTH INSURANCE, INC. | $54K | — | $54K | 4.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY, INC. | 595 STEWART AVENUE GARDEN CITY, NY 11530 | EMBLEMHEALTH | $5K | — | $5K | 10.00% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS INC. | 75 SOUTH BROADWAY SUITE 415 WHITE PLAINS, NY 10601 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $424 | — | $424 | 3.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY | 595 STEWART AVENUE 6TH FLOOR GARDEN CITY, NJ 11530 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $262 | — | $262 | 2.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY INC | 595 STEWART AVENUE GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $532 | — | $532 | 10.01% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 182 | $1.2M |
| Dental | EMBLEMHEALTH | 96 | $52K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 67 | $5K |
| Life insurance | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | 31 | $11K |
| Other | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | 31 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.