| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEWYORK INC | 1133 WESTCHESTER AVENUE SUITE N136 WEST HARRISON, NY 10604 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $129K | — | $129K | 1.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 8570 MAGELLAN PARKWAY SUITE 1100 RICHMOND, VA 23227 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $368 | $368 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY, INC. | 10 EAST 40TH STREET SUITE 3105 NEW YORK, NY 10016 | EXCELLUS BLUE CROSS BLUE SHIELD | $46K | — | $46K | 2.97% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE ROUTE 7 SUITE 1 PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $13K | — | $13K | 0.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $47K | — | $47K | 4.00% |
| 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 | $27K | — | $27K | 4.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | — | MVP HEALTHCARE | $6K | — | $6K | 4.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | — | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 7.21% |
| 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 | $215 | — | $215 | 0.58% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BOULEVARD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| 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 | $96 | — | $96 | 1.69% |
| MARTIN BENEFITS CONSULTING INC3 | 211 EAST 43RD STREET 18TH FLOOR NEW YORK, NY 10017 | FIRST UNUM LIFE INSURANCE COMPANY | $6 | — | $6 | 0.11% |
| THOMAS CHRISTOPHER SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $622 | — | $622 | 16.18% |
| 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 | $414 | — | $414 | 10.77% |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 175 | $9.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $596K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 175 | $6.8M |
| Life insurance(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $642K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 11 | $4K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $596K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 53 | $1.6M |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $642K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.