| 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 | $91K | — | $91K | 2.78% |
| 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 | 3.30% |
| 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 | $63 | $5K | 7.26% |
| 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 | — | $850 | $850 | 1.33% |
| 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 | $3K | $2K | $4K | 15.75% |
| 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 | $838 | — | $838 | 3.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MODERN ADMINISTRATION SYSTEMS LLC NONE | Other services; Direct payment from the plan Service code 49 | 70 HILLTOP RD 1003 RAMSEY, NJ 07446 | $44K |
| SLEVIN & HART, P.C. NONE | Legal; Direct payment from the plan Service code 29 | 1625 MASSACHUSETTS AVE NW WASHINGTON, DC 20036 | $26K |
| BONADIO & CO, LLP EIN 16-1131146 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $23K |
| ARCARA LENDA EUSIANO & STACEY CPA EIN 47-1793720 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| MORGAN STANLEY NONE | Direct payment from the plan; Investment management Service code 28 | 1585 BROADWAY NEW YORK, NY 10036 | $14K |
| BAC LOCAL 3 NY BUILDING CORP. EIN 82-0864921 AFFILIATE LANDLORD | Direct payment from the plan; Other services Service code 49 | — | $14K |
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 16-0983640 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $7K |
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 | 695 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 337 | $3.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 607 | $64K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 337 | $3.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 607 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
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.