| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $73K | — | $73K | 19.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVENUE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $20K | — | $20K | 12.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $10K | $10K | 6.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $14K | — | $14K | 14.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY VA | 11220 ASSET LOOP STE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $6K | $6K | 5.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSET LOOP STE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 6.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1719 ROUTE 10 SUITE 106 PARSIPPANY, NJ 07054 | GUARDIAN | $4K | $2K | $6K | 15.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $860 | $860 | 5.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $737 | $435 | $1K | 9.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $812 | — | $812 | 12.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSET LOOP STE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $269 | $269 | 4.21% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $498 | $278 | $776 | 12.29% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $214 | $210 | $424 | 11.05% |
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 | 489 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GUARDIAN | 352 | $42K |
| Life insurance(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 489 | $166K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 187 | $44K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 489 | $95K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 407 | $384K |
| Other(8 contracts, 4 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 579 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.