| 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 | $22K | $38K | $60K | 14.11% |
| 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 | $93K | — | $93K | 26.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N136 WEST HARRISON, NY 10604 | GUARDIAN | $4K | — | $4K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $597 | $483 | $1K | 8.82% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON CO | 30 WATERSIDE DR FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $78 | $43 | $121 | 0.99% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $418 | $286 | $704 | 12.07% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON CO | 30 WATERSIDE DR FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $189 | $36 | $225 | 3.86% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $219 | $232 | $451 | 12.23% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON CO | 30 WATERSIDE DR FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $26 | $12 | $38 | 1.03% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GUARDIAN | 345 | $39K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $427K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $427K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $427K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 403 | $350K |
| Other(6 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 534 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.