| 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 | $83K | — | $83K | 4.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | MVP HEALTH CARE | $8K | — | $8K | 3.81% |
| 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 | — | $5K | 5.95% |
| 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 | — | $1K | $1K | 1.36% |
| BRICKLAYERS HEALTH0 | 3750 MONROE AVE STE 1000 ROCHESTER, NY 14534 | MVP HEALTH CARE | $2K | — | $2K | 4.03% |
| 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 | $425 | — | $425 | 3.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BONADIO & CO, LLP EIN 16-1131146 NONE | Accounting (including auditing); Consulting fees; Direct payment from the plan Service code 10 | — | $27K |
| TREVETT CRISTO SALZER & ANDOLINA P EIN 16-1278314 NONE | Legal; Direct payment from the plan Service code 29 | — | $23K |
| BAC 3 UNION LOCAL 3 NEW YORK EIN 16-1612238 AFFILIATE | Direct payment from the plan; Other services Service code 49 | — | $13K |
| MORGAN STANLEY NONE | Direct payment from the plan; Investment management Service code 28 | 1585 BROADWAY NEW YORK, NY 10036 | $9K |
| BAC LOCAL 3 NY BUILDING CORP. EIN 82-0864921 AFFILIATE LANDLORD | Direct payment from the plan; Other services Service code 49 | — | $6K |
| LIFETIME BENEFIT SOULUTIONS, INC. EIN 16-1171765 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan; Contract Administrator 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 | 932 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 932 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 398 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 695 | $135K |
| Prescription drug(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 398 | $2.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 695 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.