| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $81K | — | $81K | 3.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $8K | — | $8K | 5.42% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 14.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 45 EAST AVENUE 8TH FLOOR ROCHESTER, NY 14604 | EYEMED VISION CARE | $1K | — | $1K | 5.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 45 EAST AVENUE ROCHESTER, NY 14607 | EYEMED VISION CARE | $894 | — | $894 | 5.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 45 EAST AVENUE ROCHESTER, NY 14607 | EYEMED VISION CARE | $18 | — | $18 | 7.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 45 EAST AVENUE 8TH FLOOR ROCHESTER, NY 14604 | EYEMED VISION CARE | $12 | — | $12 | 5.24% |
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 | 534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 286 | $2.5M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 305 | $155K |
| Vision(2 contracts) | EYEMED VISION CARE | 369 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,050 | $119K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,050 | $119K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 286 | $2.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,050 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,050 | — |
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.