| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL STEPNOWSKI3 | EMPLOYEE FAMILY PROTECTION 90 KRIEGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $16K | $46K | $63K | 4.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK | DBA ROWLANDS BARRANCA AGENCY 6 TOWER PLACE ALBANY, NY 122033725 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $15K | $27K | 1.86% |
| MICHAEL STEPNOWSKI3 | EMPLOYE FAMILY PROTECTION, INC. 90 KRIEGER LANE PO BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $206K | $14K | $219K | 27.04% |
| MICHAEL STEPNOWSKI3 | EMPLOYEE FAMILY PROTECTION INC P O BOX 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $31K | $10K | $40K | 6.71% |
| MICHAEL STEPNOWSKI3 | EMPLOYEE FAMILY PROTECTION INC P O BOX 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $32K | $9K | $42K | 7.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK | DBA ROWLANDS BARRANCA AGENCY 6 TOWER PLACE ALBANY, NY 122033725 | HM LIFE INSURANCE COMPANY (DAVISVISION) | $8K | — | $8K | 3.35% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | HM LIFE INSURANCE COMPANY (DAVISVISION) | $4K | — | $4K | 1.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK | DBA ROWLANDS AND BARRANCE 6 TOWER PLACE ALBANY, NY 12203 | MVP HEALTH CARE | $7K | — | $7K | 4.23% |
| MICHAEL STEPNOWSKI3 | EMPLOYEE FAMILY PROTECTION, INC. P O BOX 1237, 90 KREIGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $2K | $12K | 10.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | ROWLAND AND BARRANCA AGENCY, INC. 6 TOWER PLACE ALBANY, NY 12203 | BLUESHIELD OF NORTHEASTERN NEW YORK | $985 | — | $985 | 1.13% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | BLUESHIELD OF NORTHEASTERN NEW YORK | $192 | — | $192 | 1.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 THIRD PARTY ADMINISTRATOR | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Other services Service code 12 | — | $1.4M |
| EXPRESS SCRIPTS EIN 31-1714795 PHARMACY BENEFIT MANAGER | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $0 |
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 | 3,676 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTH CARE | 44 | $176K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,676 | $1.4M |
| Vision | HM LIFE INSURANCE COMPANY (DAVISVISION) | 3,007 | $242K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 2,500 | $1.4M |
| Short-term disability(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 2,500 | $2.5M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 699 | $586K |
| Prescription drug(2 contracts) | BLUESHIELD OF NORTHEASTERN NEW YORK | 34 | $116K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. (G1921) | 1,535 | $604K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,676 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.