| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | THE UNION LABOR LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM ST SUITE 200 SYRACUSE, NE 13204 | EXCELLUS BLUECROSS BLUESHIELD | $7K | — | $7K | 7.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM ST SUITE 200 SYRACUSE, NE 13204 | SUN LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 11.26% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT ST 11TH FLOOR BOSTON, MA 02108 | SUN LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 2.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | FOREST T JONES/STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $25 | — | $25 | 8.87% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 152 | $96K |
| Vision | FOREST T JONES/STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 3 | $282 |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 233 | $52K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 233 | $52K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 233 | $52K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 173 | $130K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 233 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.