| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 45 EAST AVE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $57K | — | $57K | 4.03% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $3K | $6K | 9.44% |
| 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 | — | $392 | $392 | 0.62% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 11.72% |
| 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 | — | $335 | $335 | 1.13% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 8.55% |
| 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 | — | $325 | $325 | 1.14% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 9.97% |
| 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 | — | $215 | $215 | 1.14% |
| BROWN & BROWN INSURANCE SERVICES3 | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & 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 & ANNUITY COMPANY OF NEW YORK | — | $167 | $167 | 1.20% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 1719 ROUTE 10, SUITE 106 PARSIPPANY, NJ 07054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $543 | $2K | 14.53% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE ST. SUITE 1710 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $599 | — | $599 | 5.00% |
| ALLIANCE FINANCIAL NETWORK3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.10% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 89 | $1.4M |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 94 | $63K |
| Vision | VISION SERVICE PLAN | 92 | $11K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 129 | $28K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 110 | $19K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 129 | $30K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 89 | $1.4M |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 129 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.