| 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 | $86K | — | $86K | 2.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | MVP HEALTH CARE | $9K | — | $9K | 3.99% |
| 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 | $5K | $0 | $5K | 7.46% |
| 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 | — | $946 | $946 | 1.45% |
| BRICKLAYERS HEALTH0 | 3750 MONROE AVE STE 1000 ROCHESTER, NY 14534 | MVP HEALTH CARE | $2K | — | $2K | 4.63% |
| 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 | $750 | — | $750 | 4.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TREVETT CRISTO SALZER & ANDOLINA P EIN 16-1278314 NONE | Legal; Direct payment from the plan Service code 29 | — | $28K |
| BONADIO & CO, LLP EIN 16-1131146 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| ARCARA ZUCARELLI LENDA & STRAKA CPA EIN 47-1793720 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| LIFETIME BENEFIT SOULUTIONS, INC. EIN 16-1171765 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $7K |
| ULLICO CASUALTY GROUP EIN 13-1423090 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $7K |
| MORGAN STANLEY NONE | Direct payment from the plan; Investment management Service code 28 | 1585 BROADWAY NEW YORK, NY 10036 | $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 | 922 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 358 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 701 | $118K |
| Prescription drug(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 358 | $2.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 660 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 701 | — |
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.