| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | MVP HEALTHCARE | $47K | $0 | $47K | 3.68% |
| BURNHAM FINANCIAL SERVICES, LLC3 Filed as: BURNHAM FINANCIAL SERVICES, AN ALER | 2038 SARANAC AVENUE LAKE PLACID, NY 12946 | MVP HEALTHCARE | $10K | $0 | $10K | 0.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC. | 500 PLUM STREET SYRACUSE, NY 13204 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $6K | $0 | $6K | 5.46% |
| GCG FINANCIAL LLC3 Filed as: BURNHAM FINANCIAL SERVICES AN ALERA | 2038 SARANAC AVENUE LAKE PLACID, NY 12946 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $2K | $0 | $2K | 1.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 595 STEWART AVE SUITE 700 GARDEN CITY, NY 11530 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $0 | $881 | $881 | 0.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | $0 | $7K | 9.95% |
| BURNHAM FINANCIAL SERVICES, LLC3 Filed as: BURNHAM FINANCIAL SERVICES, AN ALER | 2038 SARANAC AVENUE LAKE PLACID, NY 12946 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 5.05% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 1.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 625 ROUTE 6 MAHOPAC, NY 10541 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $988 | — | $988 | 10.51% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 198 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 290 | $102K |
| Vision | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 290 | $102K |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 68 | $9K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 84 | $80K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 84 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.