| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE SUITE N136 WEST HARRISON, NY 10604 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $78K | — | $78K | 3.76% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $17K | $17K | 0.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | PO BOX 369 ROSELAND, NJ 07068 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $7K | $7K | 0.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | SERVICES 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $5K | $5K | 0.25% |
| MARK GRISANTI3 | 1133 WESTCHESTER AVE N136 WHITE PLAINS, NY 10604 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | — | $2K | 0.09% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $41 | $3K | 4.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK DBD OPUS | ADVIDORY GROUP 1133 WESTCHESTER AVE #136 WHITE PLAINS, NY 10604 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $77 | $2K | 3.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $833 | $833 | 1.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE, STE N-136 WEST HARRISON, NY 10604 | METROPOLITAN LIFE INSURANCE COMPANY | $643 | $77 | $720 | 1.09% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 12404 PARK CENTRAL DR, STE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $560 | — | $560 | 0.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE SUITE N-136 WHITE PLAINS, NY 10604 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.79% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESSS BLVD STE 200 HAUPPAUGE, NY 11788 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.60% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE, S229 WHITE PLAINS, NY 10604 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $458 | — | $458 | 1.21% |
| BENEFITMALL3 | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $153 | — | $153 | 0.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $884 | — | $884 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS & FI | N SER 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $514 | — | $514 | 5.81% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $290 | — | $290 | 3.28% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 0 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $66K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $9K |
| Life insurance | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 0 | $38K |
| Other | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 0 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.