| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS - NEW YORK | 45 EAST AVENUE # 700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $42K | — | $42K | 3.37% |
| 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 | $9K | — | $9K | 0.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $810 | $3K | 4.65% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS INC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 1.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $505 | — | $505 | 0.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $2K | $6K | 14.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 45 EAST AVE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $183 | — | $183 | 0.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $1K | $713 | $2K | 13.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 45 EAST AVE ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $133 | — | $133 | 0.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $620 | — | $620 | 5.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $231 | — | $231 | 2.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $112 | $57 | $169 | 13.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 45 EAST AVE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $11 | — | $11 | 0.90% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 95 | $1.2M |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 97 | $68K |
| Vision | VISION SERVICE PLAN | 97 | $10K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 112 | $16K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 112 | $41K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 95 | $1.2M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 112 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.