| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 800 WESTCHESTER AVENUE SUITE N311 RYE BROOK, NY 10573 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $161K | — | $161K | 3.16% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFIT SOLUTIONS, INC | 2457 STATE ROUTE 7 SUITE 1, P.O. BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUECROSS BLUESHIELD | $59K | — | $59K | 4.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | CAPITAL DISTRICT PHYSCIAN'S HEALTH PLAN INC. | $34K | — | $34K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 4.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | MVP HEALTH CARE | $7K | — | $7K | 3.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 7.93% |
| WILLIAM H. MEYER AGENCY, INC.3 Filed as: WILLIAM H MEYER AGENCY INC | 1660 NORTHWEST PROFESSIONAL PLAZA COLUMBUS, OH 43220 | FIRST UNUM LIFE INSURANCE COMPANY | $281 | — | $281 | 0.55% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BOULEVARD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE ROUTE 7 SUITE 1, P.O. BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $4K | — | $4K | 10.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $812 | — | $812 | 8.81% |
| MARTIN BENEFITS CONSULTING INC3 | 211 EAST 43RD STREET 18TH FLOOR NEW YORK, NY 10017 | FIRST UNUM LIFE INSURANCE COMPANY | $7 | — | $7 | 0.08% |
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 | 384 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 456 | $7.9M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 384 | $704K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 384 | $664K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 111 | $51K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 384 | $664K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 67 | $1.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 384 | $673K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.