| 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 | 5.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $34K | — | $34K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $9K | — | $9K | 1.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN ROCHESTER NY | 45 EAST AVENUE 8TH FLOOR ROCHESTER, NY 14604 | EYEMED VISION CARE | $11K | — | $11K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $22K | — | $22K | 10.00% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS.COM INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIBERTY INSURANCE UNDERWRITERS INC | $4K | — | $4K | 3.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | LIBERTY INSURANCE UNDERWRITERS INC | $4K | — | $4K | 3.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN ROCHESTER NY | 45 EAST AVENUE ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO OF NEW YORK | $10K | $6K | $16K | 14.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 8.79% |
| 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 | $4K | $37 | $4K | 9.89% |
| 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 | $0 | $424 | $424 | 1.17% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS COM INC | DEPT 3383 PO BOX 123383 DALLAS, TX 75312 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $0 | $398 | $398 | 1.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | PO BOX 745841 ATLANTA, GA 30374 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $0 | $82 | $82 | 0.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $287 | $862 | $1K | 8.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $10K | $10K | 406.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN ROCHESTER NY | 45 EAST AVENUE ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $10K | $10K | — |
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 | 3,723 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,248 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,971 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LIBERTY INSURANCE UNDERWRITERS INC | 656 | $127K |
| Vision | EYEMED VISION CARE | 2,509 | $215K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 3,636 | $683K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 376 | $325K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 2,113 | $515K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 1,496 | $1.1M |
| Other(3 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 2,710 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,636 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.