| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS - EMPIRE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $20K | — | $20K | 4.33% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS - EMPIRE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $11K | — | $11K | 3.86% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | GUARDIAN | $16K | $3K | $19K | 12.41% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | GUARDIAN | $7K | — | $7K | 4.71% |
| BROWN & BROWN INSURANCE SERVICES3 | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $8K | — | $8K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $1K | $1K | 1.62% |
| BROWN & BROWN INSURANCE SERVICES3 | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $375 | $375 | 1.91% |
| BROWN & BROWN INSURANCE SERVICES3 | 500 PLUM STREET STE 200 SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $794 | — | $794 | 9.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $128 | $128 | 1.61% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE | 500 PLUM STREET STE 200 SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $251 | — | $251 | 10.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $45 | $45 | 1.79% |
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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 161 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 726 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 133 | $467K |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 376 | $284K |
| Vision | GUARDIAN | 247 | $154K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 565 | $76K |
| Short-term disability | GUARDIAN | 247 | $154K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 128 | $20K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 133 | $467K |
| Other(4 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 565 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.