| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE # 700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $33K | — | $33K | 4.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $675 | $4K | 7.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $286 | — | $286 | 3.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $479 | — | $479 | 7.36% |
| EMPLOYEE COVERAGE SOLUTIONS LLC3 | 4300 CINNAMON PATH LIVERPOOL, NY 13090 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $33 | — | $33 | 8.25% |
| LIEDKA MARC3 | 210 EAST YATES STREET EAST SYRACUSE, NY 13057 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $13 | — | $13 | 3.25% |
| DERMODY JOHN3 | 3660 THE PARK CORTLAND, NY 13045 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $8 | — | $8 | 2.00% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 76 | $778K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 94 | $7K |
| Vision | VISION SERVICE PLAN | 103 | $9K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 238 | $49K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 76 | $778K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 304 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.