| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $42K | — | $42K | 5.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 45 EAST AVENUE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $8K | — | $8K | 1.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF INSURANCE | AGENCY OF VA 11220 ASSET LOOP, SUITE 304 MANASSA, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 0.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $9K | — | $9K | 2.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | OF VA INC 11220 ASSET LOOP, SUITE 304 MANASSA, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 0.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 45 EAST AVENUE 8TH FLOOR ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 0.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $29K | — | $29K | 11.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 45 EAST AVENUE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 2.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | OF VA INC 11220 ASSET LOOP, SUITE 304 MANASSA, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 0.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN - ROCHESTER, NY | 45 EAST AVENUE 8TH FLOOR ROCHESTER, NY 14604 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO OF NY | -$2 | — | -$2 | -0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | $97 | $4K | 9.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVENUE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $910 | — | $910 | 2.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | OF VA INC 11220 ASSET LOOP, SUITE 304 MANASSA, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $178 | $178 | 0.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $3K | — | $3K | 9.01% |
| BENEFITFOCUS.COM, INC.3 | DEPT 3383 PO BOX 123383 DALLAS, TX 75312 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $578 | $578 | 1.56% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY PO BOX 419623 BOSTON, MA 02241 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $332 | — | $332 | 0.90% |
| AON CONSULTING INC3 | 5232 WITZ DRIVE NORTH SYRACUSE, NY 13212 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $111 | $111 | 0.30% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST CHICAGO, IL 606016420 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $21 | $21 | 0.06% |
| 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. | — | $15 | $15 | 0.04% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | -$69 | -$69 | -0.19% |
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 | 3,822 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,023 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO OF NY | 2,574 | $183K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 2,752 | $732K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 375 | $250K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 2,145 | $380K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 2,752 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,752 | — |
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.
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.