| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| POINT GUARD ADVISORS NETWORK LLC3 | 110 BUCHMANN CLOSE CIRCLE FAYETTEVILLE, NY 13066 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| POINT GUARD ADVISORS NETWORK LLC3 | 110 BUCHMANN CLOSE CIRCLE FAYETTEVILLE, NY 13066 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| POINT GUARD ADVISORS NETWORK LLC3 | 110 BUCHMANN CLOSE CIRCLE FAYETTEVILLE, NY 13066 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | $9K | — | $9K | 3.44% |
| POINT GUARD ADVISORS NETWORK LLC3 | 110 BUCHMANN CLOSE CIRCLE FAYETTEVILLE, NY 13066 | EXCELLUS BLUECROSS BLUESHIELD | $2K | — | $2K | 0.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM ST SUITE 200 SYRACUSE, NY 132041401 | THE HARTFORD | $6K | — | $6K | 4.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| POINT GUARD ADVISORS NETWORK LLC3 | 110 BUCHMANN CLOSE CIRCLE FAYETTEVILLE, NY 13066 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| POINT GUARD ADVISORS NETWORK LLC3 | 110 BUCHMANN CLOSE CIRCLE FAYETTEVILLE, NY 13066 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| POINT GUARD ADVISORS NETWORK LLC3 | 110 BUCHMANN CLOSE CIRCLE FAYETTEVILLE, NY 13066 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| POINT GUARD ADVISORS NETWORK LLC3 | 110 BUCHMANN CLOSE CIRCLE FAYETTEVILLE, NY 13066 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | $82K | — | $82K | 1130.53% |
| POINT GUARD ADVISORS NETWORK LLC3 | 110 BUCHMANN CLOSE CIRCLE FAYETTEVILLE, NY 13066 | EXCELLUS BLUECROSS BLUESHIELD | $19K | — | $19K | 264.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| POINT GUARD ADVISORS NETWORK LLC | 110 BUCHMANN CLOSE CIRCLE FAYETTEVILLE, NY 13066 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
| POINT GUARD ADVISORS NETWORK LLC | 110 BUCHMANN CLOSE CIRCLE FAYETTEVILLE, NY 13066 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | 0.00% |
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 | 940 | 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) | 940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 167 | $4.0M |
| Dental(4 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 388 | $297K |
| Vision | EYEMED VISION CARE | 603 | $37K |
| Life insurance | THE HARTFORD | 423 | $118K |
| Prescription drug(8 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 167 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.