| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $39K | — | $39K | 4.25% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | $2K | $5K | 10.47% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $268 | $268 | 0.58% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $219 | $219 | 1.45% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO OF NY | $1K | — | $1K | 11.21% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN LIFE & ANNUITY CO OF NY | — | $169 | $169 | 1.32% |
| BROWN & BROWN INSURANCE SERVICES3 | 1719 ROUTE 10, SUITE 106 PARSIPPANY, NJ 07054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $261 | $1K | 12.19% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE ST. SUITE 1710 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $596 | — | $596 | 5.00% |
| ALLIANCE ADVISORY GRP INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.10% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $148 | $148 | 1.31% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $110 | $110 | 1.53% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 45 EAST AVE ROCHESTER, NY 146042219 | VISION SERVICE PLAN | $491 | — | $491 | 10.02% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 55 | $916K |
| Dental | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 56 | $46K |
| Vision | VISION SERVICE PLAN | 57 | $5K |
| Life insurance | LINCOLN LIFE & ANNUITY CO OF NY | 100 | $13K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 58 | $15K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 100 | $11K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 55 | $916K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY CO OF NY | 100 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.