| 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 | MVP HEALTH CARE | $129K | — | $129K | 3.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | PO BOX 745808 ATLANTA, GA 303745808 | FIRST UNUM LIFE INSURANCE CO | $11K | — | $11K | 6.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | PO BOX 745808 ATLANTA, GA 303745808 | FIRST UNUM LIFE INSURANCE CO | $8K | — | $8K | 7.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | PO BOX 745808 ATLANTA, GA 303745808 | FIRST UNUM LIFE INSURANCE CO | $13K | — | $13K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | HM LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 10.00% |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 497 | $3.7M |
| Dental | DELTA DENTAL OF NEW YORK | 316 | $23K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 257 | $30K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE CO | 406 | $243K |
| Short-term disability(3 contracts) | FIRST UNUM LIFE INSURANCE CO | 406 | $349K |
| Long-term disability | FIRST UNUM LIFE INSURANCE CO | 406 | $153K |
| Prescription drug | MVP HEALTH CARE | 497 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.