| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NJ, INC. | PO BOX 369 ROSELAND, NJ 07068 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $65K | $0 | $65K | 2.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NJ, INC. | PO BOX 678 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $5K | $0 | $5K | 0.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NJ, INC. | 56 LIVINGSTON AVE ROSELAND, NJ 07068 | DELTA DENTAL OF NEW YORK | $9K | $0 | $9K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NJ, INC. | 56 LIVINGSTON AVE ROSELAND, NJ 07068 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 12.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NJ, INC. | 56 LIVINGSTON AVE ROSELAND, NJ 07068 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 14.75% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 388 | $3.2M |
| Dental | DELTA DENTAL OF NEW YORK | 324 | $187K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $170K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $170K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $170K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $170K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 388 | $3.2M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.