| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC - EMPIRE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $31K | — | $31K | 3.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $12K | — | $12K | 1.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC - EMPIRE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 5.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 3.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 9.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $697 | — | $697 | 5.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $588 | $588 | 4.60% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $186 | $186 | 1.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N. BEACH ST. DAYTONA BEACH, FL 32114 | TFLIC | $932 | — | $932 | 12.02% |
| ALFRED J HEALY3 | 505 PLYMOUTH ROAD BLUE BELL, PA 19422 | TFLIC | $61 | — | $61 | 0.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $696 | — | $696 | 9.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $439 | — | $439 | 5.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $300 | $300 | 3.96% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $119 | $119 | 1.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $126 | $126 | 1.77% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $112 | $112 | 1.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK | 500 PLUM STREET - SUITE 200 SYRACUSE, NY 13204 | TRUSTMARK INSURANCE COMPANY | $892 | — | $892 | 19.36% |
| GETTYSBURG BENEFITS ADMINISTRATION3 | 777 BALTIMORE STREET - SUITE 97 GETTYSBURG, PA 17325 | TRUSTMARK INSURANCE COMPANY | $39 | — | $39 | 0.85% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | TRUSTMARK INSURANCE COMPANY | $28 | — | $28 | 0.61% |
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 | 87 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 87 | $1.0M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 85 | $57K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $10K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 56 | $7K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 35 | $13K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 38 | $8K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 87 | $1.0M |
| Other(3 contracts, 3 carriers) | TFLIC | 56 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.