| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 6 TOWER PLACE ALBANY, NY 12203 | EXCELLUS BLUECROSS BLUESHIELD | $50K | — | $50K | 4.37% |
| BROWN AND BROWN OF FLORIDA, INC.6 Filed as: BROWN AND BROWN OF NY INC | 6 TOWER PLACE ALBANY, NY 12203 | GUARDIAN | $4K | $1K | $6K | 8.88% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN AND BROWN OF NY INC | 6 TOWER PLACE ALBANY, NY 12203 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $411 | $6K | 11.25% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA CHICAGO, IL 60606 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN AND BROWN OF NY INC | 6 TOWER PLACE ALBANY, NY 12203 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $142 | $3K | 15.77% |
| AON CONSULTING INC4 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA CHICAGO, IL 60606 | FIRST UNUM LIFE INSURANCE COMPANY | $379 | — | $379 | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN AND BROWN OF NY INC | 6 TOWER PLACE ALBANY, NY 12203 | UCM DIGITAL HEALTH | $840 | — | $840 | 10.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 6 TOWER PLACE ALBANY, NY 12203 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $130 | $1K | 19.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 6 TOWER PLACE ALBANY, NY 12203 | PROVIDENT LIFE CASUALTY INSURANCE COMPAY | $192 | $76 | $268 | 7.19% |
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 | 260 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 115 | $1.2M |
| Dental | GUARDIAN | 134 | $63K |
| Vision | GUARDIAN | 134 | $63K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 260 | $55K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 13 | $7K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 115 | $1.2M |
| Other(5 contracts, 4 carriers) | GUARDIAN | 260 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.