| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NY INC | 1133 WESTCHESTER AVE SUITE N136 WEST HARRISON, NY 10604 | EMPIRE HEALTHCHOICE ASSURANCE INC | $70K | — | $70K | 2.30% |
| GBS BENEFITS INC3 | 2200 SOUTH MAIN ST SUITE 600 SLC, UT 84115 | EMPIRE HEALTHCHOICE ASSURANCE INC | $37K | — | $37K | 1.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | EMPIRE HEALTHCHOICE ASSURANCE INC | $0 | $2K | $2K | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 1133 WESTCHESTER AVENUE SUITE N136 WEST HARRISON, NY 10604 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $10K | — | $10K | 10.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $0 | $1K | $1K | 1.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | $776 | $171 | $947 | 13.55% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INC AGENCY | 2200 S MAIN ST SUITE 600 SLC, UT 84115 | METROPOLITAN LIFE INSURANCE COMPANY | $301 | $28 | $329 | 4.71% |
| LTC SOLUTIONS, INC.3 Filed as: LTC SOLUTIONS INC. | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | — |
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 | 390 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPIRE HEALTHCHOICE ASSURANCE INC | 299 | $3.1M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 299 | $3.1M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 331 | $98K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 331 | $98K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 331 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.