| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 70 LINDEN OAKS STE 210 ROCHESTER, NY 14625 | EXCELLUS BLUE CROSS BLUE SHIELD | $60K | — | $60K | 7.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN ROCHESTER NY | 45 EAST AVENUE ROCHESTER, NY 14607 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $24K | $18K | $42K | 8.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN ROCHESTER NY | 45 EAST AVENUE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $7K | $13K | $21K | 5.90% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS COM INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIBERTY INSURANCE UNDERWRITERS INC | $4K | — | $4K | 2.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN ROCHESTER NY | 45 EAST AVENUE 8TH FLOOR ROCHESTER, NY 14604 | EYEMED VISION CARE | $9K | — | $9K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN ROCHESTER NY | 45 EAST AVENUE ROCHESTER, NY 14607 | EYEMED VISION CARE | $46 | — | $46 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN ROCHESTER NY | 45 EAST AVENUE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $15K | $3K | $18K | 12.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $3K | $37 | $3K | 9.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1500 BROADWAY FLOOR 21 NEW YORK, NY 10036 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $465 | $465 | 1.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC ROCHE | PO BOX 745808 ATLANTA, GA 30374 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $284 | — | $284 | 0.76% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS COM INC | DEPT 3383 PO BOX 123383 DALLAS, TX 75312 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $45 | $45 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1500 BROADWAY FLOOR 21 NEW YORK, NY 10036 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $37 | $37 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN ROCHESTER NY | 45 EAST AVENUE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $5K | $613 | $6K | 21.46% |
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 | 3,619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 244 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LIBERTY INSURANCE UNDERWRITERS INC | 668 | $168K |
| Vision | EYEMED VISION CARE | 2,582 | $150K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 2,220 | $472K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 2,571 | $146K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 2,162 | $349K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 1,530 | $828K |
| Other(2 contracts, 2 carriers) | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | 2,218 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,582 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.