| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY INC | 595 STEWART AVE GARDEN CITY, NY 115304787 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | $0 | $43K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST NEW YORK, NY 102811003 | UNITEDHEALTHCARE INSURANCE COMPANY | -$117 | $0 | -$117 | -0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY | 595 STEWART AVENUE GARDEN CITY, NY 11530 | AETNA LIFE INSURANCE CO. | $6K | $0 | $6K | 18.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $83 | $0 | $83 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY | 595 STEWART AVENUE GARDEN CITY, NY 11530 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $85 | $0 | $85 | 1.30% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 196 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 196 | $1.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 103 | $7K |
| Life insurance | AETNA LIFE INSURANCE CO. | 117 | $33K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 117 | $33K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 117 | $33K |
| Other | AETNA LIFE INSURANCE CO. | 117 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.