| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $363K | $249K | $612K | 20.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | $73K | $0 | $73K | 3.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $38K | $6K | $44K | 11.61% |
| PAMELA J. MORGAN4 | 19 LAMBTON CIRCLE ROCHESTER, NY 14626 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $6K | $0 | $6K | 24.76% |
| KIMBERLY FERRIS4 Filed as: KIMBERLY A. FERRIS | 48 BERNHARDT DRIVE AMHERST, NY 14226 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $47 | $0 | $47 | 0.21% |
| PAMELA J. MORGAN4 | 19 LAMBTON CIRCLE ROCHESTER, NY 14626 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $92 | $0 | $92 | 22.06% |
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 | 4,262 | 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) | 4,262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | 174 | $2.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,302 | $132K |
| Vision | AETNA LIFE INSURANCE COMPANY | 2,302 | $132K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 4,043 | $3.0M |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 4,043 | $3.0M |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 4,043 | $3.0M |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | 174 | $2.0M |
| Other(6 contracts, 4 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 4,262 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,262 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.