| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS INC - NY | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $81K | — | $81K | 18.34% |
| BROWN & BROWN INSURANCE SERVICES3 | 45 EAST AVENUE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $28K | — | $28K | 12.71% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY - VA | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 1.33% |
| BROWN & BROWN INSURANCE SERVICES3 | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $18K | — | $18K | 14.17% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY - VA | 11220 ASSET LOOP STE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 1.32% |
| BROWN & BROWN INSURANCE SERVICES3 | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $8K | — | $8K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY - VA | 11220 ASSET LOOP STE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $792 | $792 | 1.40% |
| BROWN & BROWN INSURANCE SERVICES3 | 1719 ROUTE 10 SUITE 106 PARSIPPANY, NJ 07054 | GUARDIAN | $5K | $938 | $6K | 12.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | -$510 | -$2K | -11.08% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | -$1K | -$166 | -$1K | -11.72% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | -$1K | -$150 | -$1K | -15.15% |
| BROWN & BROWN INSURANCE SERVICES3 | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $943 | — | $943 | 12.71% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY - VA | 11220 ASSET LOOP STE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $118 | $118 | 1.59% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY - VA | 11220 ASSET LOOP STE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $226 | $226 | 3.62% |
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 | 541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GUARDIAN | 364 | $47K |
| Life insurance(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 541 | $224K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 167 | $57K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 541 | $130K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 417 | $444K |
| Other(7 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 560 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.