| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC - NEW YO | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $45K | — | $45K | 3.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE SUITE 700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $11K | — | $11K | 0.78% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICE, LLC | 4170 DOUGLAS BOULEVARD SUITE 100 GRANITE BAY, CA 95746 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERVICES | 45 EAST AVENUE ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $817 | — | $817 | 1.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PLACE ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $492 | $492 | 1.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $126 | — | $126 | 2.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 45 EAST AVENUE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $85 | — | $85 | 1.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1719 ROUTE 10 SUITE 106 PARSIPPANY, NJ 07054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $381 | — | $381 | 6.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $193 | $193 | 3.31% |
| ALLIANCE ADVISORY GRP INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.03% |
| ALLIANCE ADVISORY GRP INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $30 | — | $30 | 1.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 45 EAST AVENUE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $28 | — | $28 | 1.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVENUE ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $28 | $28 | — |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 100 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $46K |
| Vision(2 contracts) | VISION SERVICE PLAN | 63 | $8K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $73K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $73K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $73K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 100 | $1.4M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.