| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | SIX TOWER PLACE ALBANY, NY 12203 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $63K | $0 | $63K | 3.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 8570 MAGELLAN PARKWAY, SUITE 1100 RICHMOND, VA 23227 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $104 | $104 | 0.01% |
| BRUCE R ROWLANDS3 Filed as: BRUCE R. ROWLANDS | SIX TOWER PLACE ALBANY, NY 12203 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $66 | $0 | $66 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 1500 BROADWAY, 21ST FLOOR NEW YORK, NY 10036 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $851 | $0 | $851 | 12.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 8570 MAGELLAN PARKWAY, SUITE 1100 RICHMOND, VA 23227 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $0 | $253 | $253 | 3.79% |
| EMERSON REID LLC Filed as: EMERSON REID AND COMPANY, INC. | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10018 | WESCO INSURANCE COMPANY | $765 | $0 | $765 | 20.00% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 374 | $1.6M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 374 | $1.6M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 374 | $1.6M |
| Life insurance | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 182 | $7K |
| Short-term disability | WESCO INSURANCE COMPANY | 186 | $4K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 374 | $1.6M |
| Other | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 182 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.