| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $32K | $53K | 13.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | HM LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 9.25% |
| AON CONSULTING INC3 | 30 WATERSIDE DR FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $954 | $607 | $2K | 10.20% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $169 | $169 | 1.10% |
| AON CONSULTING INC3 | 30 WATERSIDE DR FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $526 | $294 | $820 | 13.04% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $65 | $65 | 1.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $159 | $159 | 3.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DR FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $273 | $222 | $495 | 13.05% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44 | $44 | 1.16% |
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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 320 | $40K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 495 | $381K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 495 | $381K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 495 | $381K |
| Other(6 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 495 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.