| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 1133 WESTCHESTER AVENUE SUITE N136 WEST HARRISON, NY 10604 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $96K | — | $96K | 3.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 8570 MAGELLAN PARKWAY STE 1100 RICHMOND, VA 23227 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $7K | $7K | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 1133 WESTCHESTER AVENUE SUITE N136 WEST HARRISON, NY 10604 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $13K | — | $13K | 11.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 8570 MAGELLAN PARKWAY STE 1100 RICHMOND, VA 23227 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | — | $2K | $2K | 1.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 6 TOWER PLACE ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | $618 | $195 | $813 | 12.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 6 TOWER PLACE ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | $355 | $125 | $480 | 14.60% |
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 | 284 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 257 | $2.7M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 257 | $2.7M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 257 | $2.7M |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 284 | $117K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 284 | $117K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 284 | $117K |
| Other(3 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 284 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.