| 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 | $89K | — | $89K | 2.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | MVP HEALTH | $11K | — | $11K | 4.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | MVP HEALTH | $2K | — | $2K | 5.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVE ROCHESTER, NY 14604 | MVP HEALTH CARE | $2K | — | $2K | 4.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 6 TOWER PL ALBANY, NY 12203 | MVP HEALTH CARE | — | $369 | $369 | 0.93% |
| 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 | $1K | — | $1K | 5.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TREVETT CRISTO SALZER & ANDOLINA P EIN 16-1278314 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| ARCARA ZUCARELLI LENDA & STRAKA CPA EIN 47-1793720 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $26K |
| LIPSITZ GREEN SCIME CAMBRIA LLP NONE | Legal; Direct payment from the plan Service code 29 | 42 DELEWARE AVE STE 120 BUFFALO, NY 14202 | $7K |
| MANNING & NAPIER ADVISORS, LLC EIN 45-3328488 INVESTMENT MANAGER | Direct payment from the plan; Investment management Service code 28 | — | $7K |
| ULLICO CASUALTY GROUP EIN 13-1423090 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $7K |
| LIFETIME BENEFIT SOULUTIONS, INC. EIN 16-1171765 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $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 | 953 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 953 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 369 | $3.4M |
| Life insurance | MVP HEALTH CARE | 342 | $40K |
| Prescription drug(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 369 | $3.1M |
| Other | MVP HEALTH CARE | 342 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.