| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | ROWLANDS AND BARRANCA AGENCY, INC. 6 TOWER PLACE ALBANY, NY 12203 | HEALTHNOW NEW YORK INC. DBA BC BS OF WESTERN NY OR BS OF NE NY | $73K | — | $73K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | DBA ROWLANDS AND BARRANCA AGENCY 6 TOWER PL ALBANY, NY 122033725 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $5K | $14K | 4.86% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 15.92% |
| BRUCE R ROWLANDS3 Filed as: BRUCE R. ROWLANDS | 6 TOWER PLACE ALBANY, NY 12203 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $716 | — | $716 | 4.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | ROWLANDS AND BARRANCA AGENCY, INC 6 TOWER PLACE ALBANY, NY 12203 | HEALTHNOW NEW YORK INC. DBA BC BS OF WESTERN NY OR BS OF NE NY | $360 | — | $360 | 3.08% |
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 | 1,128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTHNOW NEW YORK INC. DBA BC BS OF WESTERN NY OR BS OF NE NY | 512 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,343 | $279K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 412 | $18K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,343 | $279K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 723 | $98K |
| Prescription drug(2 contracts) | HEALTHNOW NEW YORK INC. DBA BC BS OF WESTERN NY OR BS OF NE NY | 512 | $2.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,343 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,343 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.