| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROWLANDS AND BARRANCA AGENCY3 | 6 TOWER PLACE ALBANY, NY 12203 | EXCELUS BLUECROSS BLUESHIELD | $48K | — | $48K | 4.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | SIX TOWER PLACE ALBANY, NY 12203 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 7.56% |
| 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 | — | $798 | $798 | 2.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK | 6 TOWER PL ALBANY, NY 12203 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 7.61% |
| 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 | — | $775 | $775 | 2.79% |
| ROWLANDS AND BARRANCA AGENCY3 Filed as: ROWLANDS & BARRANCA AGENCY | 6 TOWER PLACE ALBANY, NY 12203 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $322 | $3K | 16.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | COMPANION LIFE INSURANCE COMPANY | $2K | $241 | $2K | 11.56% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 100.00% |
| ROWLANDS AND BARRANCA AGENCY3 Filed as: ROWLANDS AND BARRANCA AGENCY INC | 6 TOWER PL ALBANY, NY 12203 | MUTUAL OF OMAHA INSURANCE COMPANY | $343 | $64 | $407 | 11.85% |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELUS BLUECROSS BLUESHIELD | 146 | $1.2M |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 73 | $28K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 299 | $15K |
| Short-term disability | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 328 | $5K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 251 | $17K |
| Prescription drug | EXCELUS BLUECROSS BLUESHIELD | 146 | $1.2M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 266 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.