| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $42K | — | $42K | 4.23% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.88% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $436 | $436 | 0.89% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $894 | $894 | 3.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $364 | $364 | 1.22% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $850 | $850 | 3.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $344 | $344 | 1.21% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF INSURANCE SERVICES | 1719 ROUTE 10 SUITE 106 PARSIPPANY, NJ 07054 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | $215 | $1K | 11.92% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE ST STE 1710 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY | $560 | — | $560 | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF INSURANCE SERVICES | 1605 CONCENTRIC BLVD STE 2 SAGINAW, MI 48604 | THE GUARDIAN LIFE INSURANCE COMPANY | $225 | — | $225 | 2.01% |
| ALLIANCE FINANCIAL NETWORK3 | — | THE GUARDIAN LIFE INSURANCE COMPANY | $11 | — | $11 | 0.10% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN, INC. | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $203 | — | $203 | 7.15% |
No Schedule C service providers reported on this filing.
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 91 | $995K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 135 | $49K |
| Vision | VISION SERVICE PLAN | 378 | $3K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 143 | $30K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 143 | $28K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 91 | $995K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 154 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.