| 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 | $62K | — | $62K | 4.75% |
| CARECONNECT INSURANCE AGENCY INC3 | 2200 NORTHERN BOULEVARD GREENDALE, NY 11548 | OXFORD HEALTH INSURANCE, INC | — | $75 | $75 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY | 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 | $520 | — | $520 | 3.68% |
| 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 | $284 | — | $284 | 2.01% |
| 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 | 10.00% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 167 | $1.3M |
| Dental | EMBLEMHEALTH | 90 | $54K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 99 | $5K |
| Life insurance | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | 29 | $14K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | 140 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.