| 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 | MVP HEALTH SERVICES CORP | $17K | — | $17K | 4.15% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS | 45 EAST AVENUE # 700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $4K | — | $4K | 10.78% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $514 | $514 | 3.04% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $755 | — | $755 | 12.86% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $178 | $178 | 3.03% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN, INC. | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $58 | — | $58 | 3.04% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN, INC. | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $37 | — | $37 | 3.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN, INC. | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $9 | — | $9 | 2.92% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN, INC. | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $5 | — | $5 | 3.11% |
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 | 141 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH SERVICES CORP | 54 | $402K |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 67 | $37K |
| Vision(5 contracts) | VISION SERVICE PLAN | 22 | $4K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 141 | $6K |
| Prescription drug | MVP HEALTH SERVICES CORP | 54 | $402K |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 141 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.