| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SYRACUSE, NY 13204 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $215K | — | $215K | 1.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $33K | — | $33K | 4.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASS. LLC | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $53K | — | $53K | 8.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PLACE ALBANY, NY 12203 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $53K | — | $53K | 8.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | PO BOX 2456 CLEARWATER, FL 33757 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASS. LLC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.52% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $269 | $269 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVE. ROCHESTER, NY 14604 | INDEPENDENT HEALTH BENEFITS CORPORATION | $11K | — | $11K | 3.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF EMPIRE STATE | 500 PLUM STREET STE 200 SYRACUSE, NY 13204 | EYEMED VISION CARE | $5K | — | $5K | 4.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 144 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | EYEMED VISION CARE | $5K | — | $5K | 4.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | — | DELTA DENTAL OF NEW YORK | $10K | — | $10K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | — | DELTA DENTAL OF NEW YORK | $9K | — | $9K | — |
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 | 1,517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,530 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,950 | $15.8M |
| Dental | DELTA DENTAL OF NEW YORK | 2,483 | $0 |
| Vision | EYEMED VISION CARE | 2,613 | $112K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,517 | $602K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,517 | $602K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,517 | $602K |
| Prescription drug(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,950 | $15.8M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,017 | $763K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,017 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.