| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET STE. 200 SYRACUSE, NY 13024 | EXCELLUS BLUE CROSS BLUE SHIELD | $41K | — | $41K | 4.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM STREET STE. 200 SYRACUSE, NY 13204 | GUARDIAN | $3K | $6K | $9K | 9.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET STE. 200 SYRACUSE, NY 13204 | MVP HEALTH CARE | $1K | — | $1K | 4.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM STREET STE 200 SYRACUSE, NY 13204 | CIGNA | $2K | — | $2K | 9.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM ST. STE 200 SYRACUSE, NY 13204 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 13.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM ST. STE. 200 SYRACUSE, NY 13204 | CIGNA | $833 | — | $833 | 15.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM STREET STE. 200 SYRACUSE, NY 13204 | CIGNA | $469 | — | $469 | 9.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | CIGNA | $97 | — | $97 | 12.06% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 115 | $988K |
| Dental | GUARDIAN | 137 | $98K |
| Life insurance(2 contracts, 2 carriers) | CIGNA | 169 | $33K |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 161 | $116K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 169 | $20K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 115 | $960K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 169 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.