| 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, SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS/BLUE SHIELD PLAN | $69K | — | $69K | 3.75% |
| ENV INSURANCE AGENCY LLC3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | METLIFE LIFE INSURANCE COMPANY | $18K | — | $18K | 3.78% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | METLIFE LIFE INSURANCE COMPANY | $4K | — | $4K | 0.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 1.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 220 S. RIDGEWOOD AVE # 500 DAYTONA BEACH, FL 32114 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 0.97% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $443 | — | $443 | 0.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | MVP HEALTH CARE | $3K | — | $3K | 2.77% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | MVP HEALTH CARE | $1K | — | $1K | 1.24% |
| 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 PLAN | $8K | — | $8K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 8.00% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $619 | — | $619 | 1.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 220 S. RIDGEWOOD AVE # 500 DAYTONA BEACH, FL 32114 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $328 | $328 | 0.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 7.47% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $394 | — | $394 | 2.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 220 S. RIDGEWOOD AVE # 500 DAYTONA BEACH, FL 32114 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $120 | $120 | 0.84% |
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 | 1,159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS/BLUE SHIELD PLAN | 172 | $1.9M |
| Dental | METLIFE LIFE INSURANCE COMPANY | 1,050 | $466K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 913 | $187K |
| Short-term disability(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 913 | $201K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 130 | $35K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS/BLUE SHIELD PLAN | 486 | $83K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 913 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,050 | — |
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."
No prospect flags tripped on this filing.