| 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 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $94K | — | $94K | 2.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE, #700 ROCHESTER, NY 14604 | MVP HEALTH CARE | $3K | — | $3K | 3.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVE ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.60% |
| 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 | $0 | $110 | $110 | 0.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE INC | 300 N BEACH STREET DAYTON BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21 | $21 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE INC | 1719 ROUTE 10, SUITE 106 PARSIPPANY, NJ 07054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $579 | $3K | 12.35% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC ON-MEDICAL SOLUTIONS | 75 STATE STREET BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $885 | — | $885 | 3.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE, #700 ROCHESTER, NY 14604 | MVP HEALTH CARE | $750 | — | $750 | 4.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE INC | 45 EAST AVE ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $488 | — | $488 | 3.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MODERN ADMINISTRATION SYSTEMS LLC NONE | Direct payment from the plan; Other services Service code 49 | 70 HILLTOP RD 1003 RAMSEY, NJ 07446 | $22K |
| BONADIO & CO, LLP EIN 16-1131146 NONE | Accounting (including auditing) Service code 10 | — | $22K |
| MORGAN STANLEY NONE | Investment management; Direct payment from the plan Service code 28 | 1585 BROADWAY NEW YORK, NY 10036 | $12K |
| ARCARA LENDA EUSIANO & STACEY CPA EIN 47-1793720 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $11K |
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 16-0983640 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $7K |
| SLEVIN & HART, P.C. NONE | Legal; Direct payment from the plan Service code 29 | 1625 MASSACHUSETTS AVE NW WASHINGTON, DC 20036 | $5K |
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 | 589 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 335 | $3.6M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $37K |
| Prescription drug(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 335 | $3.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.