| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 6 TOWER PLACE ALBANY, NY 12203 | HIGHMARK WESTERN NORTHEASTERN NEW YORK INC | $57K | — | $57K | 3.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 4.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | METROPOLITAN LIFE INSURANCE COMPANY | $277 | — | $277 | 0.28% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $82 | $2K | 10.01% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $59 | $154 | $213 | 1.29% |
| LORRAINE RHODES3 | 4A KENSINGTON CT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.44% |
| DANIELLE ROCHE3 | 62 SHAG BARK LN PENNELLVILLE, NY 13132 | THE PAUL REVERE LIFE INSURANCE COMPANY | $40 | $18 | $58 | 0.35% |
| ZEBEST INC3 | 2055 RESTON CIR ROYAL PALM BEACH, FL 33411 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.16% |
| MEAGAN M MARTIN3 | 8034B MARLIN DR CLAY, NY 13041 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE SUITE N136 WEST HARRISON, NY 10604 | ANTHEM BLUE CROSS | $1K | — | $1K | 10.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | ANTHEM BLUE CROSS | — | $94 | $94 | 0.77% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN NORTHEASTERN NEW YORK INC | 108 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $100K |
| Vision(2 contracts, 2 carriers) | HIGHMARK WESTERN NORTHEASTERN NEW YORK INC | 207 | $1.7M |
| Prescription drug | HIGHMARK WESTERN NORTHEASTERN NEW YORK INC | 108 | $1.7M |
| Other | THE PAUL REVERE LIFE INSURANCE COMPANY | 17 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.