| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC - NY | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $28K | — | $28K | 2.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1719 ROUTE 10, SUITE 106 PARSIPPANY, NJ 07054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $794 | $4K | 12.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC - NY | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $298 | $80 | $378 | 1.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $122 | $122 | 0.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC - NY | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | UNIVERA HEALTHCARE | $238 | — | $238 | 2.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CARMEN O'NEAL EIN 16-0849723 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $42K |
| RACHEL BOHM EIN 16-0849723 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $34K |
| TRONCONI SEGARRA & ASSOCIATES LLP EIN 04-3728817 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $22K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 11-3658445 NONE | Direct payment from the plan; Securities brokerage; Other fees; Recordkeeping fees; Custodial (securities); Investment advisory (plan); Other services; Other investment fees and expenses; Recordkeeping and information management (computing, tabulating, data processing, etc.); Securities brokerage commissions and fees Service code 15 | — | $20K |
| ARCARA LENDA EUSANIO & STACEY EIN 47-1793720 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $9K |
| SLEVIN & HART PC EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 91 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 97 | $1000K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $35K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $26K |
| Prescription drug(3 contracts, 3 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 97 | $1.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.