| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | AETNA LIFE INSURANCE CO | $105K | — | $105K | 3.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | DELTA DENTAL OF NEW YORK | $4K | — | $4K | 2.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 15.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $172 | $3K | 15.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $756 | $756 | 4.40% |
| 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 | $149 | $2K | 16.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $664 | $664 | 4.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 500 PLUM STREET STE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 10.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $629 | $629 | 4.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 401 S. MAIN STREET NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $602 | — | $602 | 5.23% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS RD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $499 | $12 | $511 | 4.44% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13207 | THE PAUL REVERE LIFE INSURANCE COMPANY | $313 | — | $313 | 2.72% |
| MICHAEL L O'DONNELL3 | 133 HAZELHURST AVE NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.53% |
| SHEILA ANN WILSON3 | 36 SHARYL DRIVE CENTRAL SQUARE, NY 13036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $55 | $2 | $57 | 0.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $107 | $2K | 16.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $481 | $481 | 4.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | METROPOLITAN LIFE INSURANCE COMPANY | $665 | $41 | $706 | 12.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $152 | $152 | 2.70% |
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 | 383 | 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) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 413 | $2.7M |
| Dental | DELTA DENTAL OF NEW YORK | 456 | $146K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $27K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 383 | $14K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 54 | $11K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 291 | $17K |
| Prescription drug | AETNA LIFE INSURANCE CO | 413 | $2.7M |
| Other(4 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 383 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.