| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $130K | — | $130K | 2.41% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFIT SOLUTIONS, INC | 2457 STATE ROUTE 7 SUITE 1, PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $59K | — | $59K | 4.00% |
| 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. | $53K | — | $53K | 4.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 4.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | — | MVP HEALTHCARE | $9K | — | $9K | 3.99% |
| 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 | $12K | — | $12K | 19.14% |
| CHRISTOPHER THOMAS SMITH3 | PO BOX 6650 METAIRIE, TN 70009 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $452 | $10K | 15.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | BROWN AND BROWN OF NY INC NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 6.06% |
| WILLIAM H. MEYER AGENCY, INC.3 Filed as: WILLIAM H MEYER AGY INC | 1660 NORTHWEST PROFESSIONAL PLAZA COLUMBUS, OH 43220 | FIRST UNUM LIFE INSURANCE COMPANY | $267 | — | $267 | 0.59% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BOULEVARD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| 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 | $123 | — | $123 | 1.79% |
| MARTIN BENEFITS CONSULTING INC3 | 211 EAST 43RD STREET 18TH FLOOR NEW YORK, NY 10017 | FIRST UNUM LIFE INSURANCE COMPANY | $7 | — | $7 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $500 | — | $500 | 20.57% |
| CHRISTOPHER THOMAS SMITH3 | PO BOX 6650 METAIRIE, TN 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $275 | $17 | $292 | 12.01% |
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 | 350 | 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) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 199 | $8.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 350 | $766K |
| Life insurance(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 350 | $885K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 140 | $67K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 350 | $766K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 60 | $1.5M |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 350 | $885K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.