| 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 | $25K | — | $25K | 2.63% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.83% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $342 | $342 | 1.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE SUITE N136 WEST HARRISON, NY 10604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | UNIVERA HEALTHCARE | $300 | — | $300 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CARMEN O'NEAL EIN 16-0849723 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $40K |
| SLEVIN & HART PC EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $22K |
| TRONCONI SEGARRA & ASSOCIATES LLP EIN 04-3728817 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $22K |
| MORGAN STANLEY/GRAYSTONE CONSULTING EIN 13-2919773 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $13K |
| LIFETIME BENEFIT SOLUTIONS EIN 16-1171765 NONE | Direct payment from the plan; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $10K |
| ARCARA ZUCARELLI LENDA & ASSOCIATES EIN 47-1793720 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $7K |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 152 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 119 | $961K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 249 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $23K |
| Prescription drug(3 contracts, 3 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 119 | $961K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.