| 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, #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $85K | — | $85K | 1.42% |
| 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 | $7K | — | $7K | 3.60% |
| 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 | $45 | $5K | 6.73% |
| 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 | — | $647 | $647 | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.0 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE, #700 ROCHESTER, NY 14604 | MVP HEALTH CARE | $2K | — | $2K | 3.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 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 | — | $55K |
| TREVETT CRISTO SALZER & ANDOLINA P EIN 16-1278314 NONE | Direct payment from the plan Service code 50 | — | $23K |
| 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 | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
| BAC LOCAL 3 NY BUILDING CORP. EIN 82-0864921 AFFILIATE LANDLORD | Other services; Direct payment from the plan Service code 49 | — | $12K |
| BAC 3 UNION LOCAL 3 NEW YORK EIN 16-1612238 AFFILIATE | Other services; Direct payment from the plan Service code 49 | — | $7K |
| MORGAN STANLEY NONE | Direct payment from the plan; Investment management Service code 28 | 1585 BROADWAY NEW YORK, NY 10036 | $6K |
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 | 893 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 404 | $6.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 673 | $71K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 404 | $6.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 673 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.