| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | SIX TOWER PLACE ALBANY, NY 12203 | EMPIRE HEALTHCHOICE ASSURANCE, INC.. | $511K | — | $511K | 3.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | SIX TOWER PLACE ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $44K | $56K | 4.03% |
| BRUCE R ROWLANDS3 | 6 TOWER PLACE ALBANY, NY 12203 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $87K | $0 | $87K | 6.47% |
| EMPLOYEE FAMILY PROTECTION INC3 | MICHAEL STEPNOWSKI PO BOX 1237 90 KREIGER LN GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY | $31K | $7K | $38K | 6.63% |
| EMPLOYEE FAMILY PROTECTION INC3 | MICHAEL STEPNOWSKI PO BOX 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY | $29K | $7K | $36K | 7.10% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 90 KREIGER LN GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY | $30K | $5K | $35K | 10.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | SIX TOWER PLACE ALBANY, NY 12203 | HM LIFE INSURANCE COMPANY | $12K | — | $12K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | SIX TOWER PLACE ALBANY, NY 12203 | MVP HEALTH CARE | $8K | — | $8K | 4.33% |
| EMPLOYEE FAMILY PROTECTION INC3 | MICHAEL STEPNOWSKI PO BOX 1237 90 KREIGER LN GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY | $127K | — | $127K | 86.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | SIX TOWER PLACE ALBANY, NY 12203 | HEALTHNOW NEW YORK INC. | $560 | — | $560 | 0.57% |
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 | 3,804 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC.. | 3,057 | $17.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,804 | $1.4M |
| Vision | HM LIFE INSURANCE COMPANY | 3,020 | $239K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 2,248 | $513K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY | 1,777 | $496K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY | 713 | $919K |
| Prescription drug(3 contracts) | HEALTHNOW NEW YORK INC. | 37 | $168K |
| Other | UNUM LIFE INSURANCE COMPANY | 1,777 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,804 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.