| 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 AVE SUITE 700 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $55K | — | $55K | 2.77% |
| TITANS INS & EMPLOYEE BENEFITS3 Filed as: TITANS INS D/B/A US EMPL BENEFITS S | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $17K | — | $17K | 0.86% |
| LAWRENCE AXELROD3 | 100 ALLENS CREEK ROAD, STE 147 ROCHESTER, NY 14618 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $15K | — | $15K | 7.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 45 EAST AVE SUITE 700 ROCHESTER, NY 14607 | EYEMED | $866 | — | $866 | 7.39% |
| US EMPLOYEE BENEFITS SERVICES GROUP3 Filed as: U.S. EMPLOYEE BENEFITS SERVICE GROU | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | EYEMED | $276 | — | $276 | 2.36% |
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 | 291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 171 | $2.0M |
| Vision | EYEMED | 175 | $12K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 291 | $188K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 291 | $188K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 291 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.