| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS - NEW YORK | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $51K | — | $51K | 2.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $17K | — | $17K | 0.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS - NEW YORK | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $5K | — | $5K | 4.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 1.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 1.71% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS INC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 1.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 1.74% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS INC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $873 | $873 | 1.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $921 | $5K | 8.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $927 | — | $927 | 1.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1719 ROUTE 10 SUITE 106 PARSIPPANY, NY 07054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 10.81% |
| ALLIANCE ADVISORY GRP INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $128 | — | $128 | 0.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 45 EAST AVENUE ROCHESTER, NY 14604 | VISION SERVICE PLAN | -$112 | — | -$112 | -0.58% |
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 | 272 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 157 | $1.8M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 207 | $125K |
| Vision | VISION SERVICE PLAN | 194 | $19K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 272 | $71K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 272 | $80K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 272 | $54K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 157 | $1.8M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 272 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
No prospect flags tripped on this filing.