| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 6 TOWER PLACE ALBANY, NY 12203 | BLUESHIELD OF NORTHEASTERN NEW YORK | $25K | — | $25K | 3.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | — | $3K | 5.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | SIX TOWER PLACE ALBANY, NY 12203 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $726 | — | $726 | 10.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 220 S RIDGEWOOD AVE #500 DAYTONA BEACH, FL 32114 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $393 | $393 | 5.84% |
| FRANK H REIS INC3 | PO BOX 3967 KINGSTON, NY 12402 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $284 | — | $284 | 4.22% |
| EMERSON REID LLC3 | 261 MADISON AVE. SUITE 602 FLOOR NEW YORK, NY 10016 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 23.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | SIX TOWER PLACE ALBANY, NY 12203 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $503 | — | $503 | 9.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 220 S RIDGEWOOD AVE #500 DAYTONA BEACH, FL 32114 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $291 | $291 | 5.70% |
| FRANK H REIS INC3 | PO BOX 3967 KINGSTON, NY 12402 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $169 | — | $169 | 3.31% |
| FRANK H REIS INC3 Filed as: FRANK H. REIS, INC. | PO BOX 3967 KINGSTON, NY 12402 | WESCO INSURANCE COMPANY | $900 | — | $900 | 19.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PLACE ALBANY, NY 12203 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $666 | — | $666 | 17.50% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3 | $3 | 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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUESHIELD OF NORTHEASTERN NEW YORK | 86 | $631K |
| Dental | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 93 | $61K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 141 | $9K |
| Short-term disability(4 contracts, 4 carriers) | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 141 | $20K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 141 | $11K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 86 | $631K |
| Other(4 contracts, 4 carriers) | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 141 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.