| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY | 595 STEWART AVE GARDEN CITY, NY 11530 | FIRST UNUM LIFE INSRUANCE COMPANY | $12K | $2K | $13K | 6.38% |
| MSM GENERAL AGENCY INC3 | 2300 HYLAN BLVD STATEN ISLAND, NY 10306 | FIRST UNUM LIFE INSRUANCE COMPANY | $0 | $10K | $10K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY | 595 STEWART AVE GARDEN CITY, NY 11530 | FIRST UNUM LIFE INSURANCE CARRIER | $10K | $1K | $11K | 6.10% |
| MSM GENERAL AGENCY INC3 | 2300 HYLAN BLVD STATEN ISLAND, NY 10306 | FIRST UNUM LIFE INSURANCE CARRIER | — | $9K | $9K | 5.00% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIRST UNUM LIFE INSRUANCE COMPANY | 342 | $206K |
| Short-term disability | FIRST UNUM LIFE INSURANCE CARRIER | 495 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.