| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS SERVICES INC | 625 ROUTE 6 MAHOPAC, NY 10541 | EMBLEMHEALTH | $176K | $0 | $176K | 3.85% |
| RUSSELL J CARPENTIERI3 | 500 OCEAN DRIVE APARTMNET 9ED JUNO BEACH, FL 33408 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 4.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $359 | $2K | 17.79% |
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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 381 | $4.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 393 | $315K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 393 | $315K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 393 | $328K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 393 | $315K |
| Prescription drug | EMBLEMHEALTH | 381 | $4.6M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 393 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.