| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 6 TOWER PLACE ALBANY, NY 12203 | EXCELLUS BLUE CROSS BLUE SHIELD | $36K | — | $36K | 4.87% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DR. FAIRPORT, NY 14450 | EXCELLUS BLUE CROSS BLUE SHIELD | -$312 | — | -$312 | -0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 6 TOWER PLACE ALBANY, NY 12203 | EXCELLUS BLUE CROSS BLUE SHIELD | $5K | — | $5K | 4.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 6 TOWER PLACE ALBANY, NY 12203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $12K | 18.35% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 104 | $868K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $67K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $67K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $67K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $67K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $67K |
| Prescription drug(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 104 | $868K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.