| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 520 CROMWELL AVENUE ROCKY HILL, CT 06067 | DELTA DENTAL OF NEW JERSEY, INC | $7K | — | $7K | 6.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | — | $2K | 9.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $1K | $1K | 4.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 980 WASHINGTON STREET DEDHAM, MA 02026 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | — | $2K | 14.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $862 | $862 | 5.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | EYEMED VISION CARE | $1K | — | $1K | 10.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES,IN | 980 WASHINGTON STREET DEDHAM, MA 02026 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $370 | — | $370 | 11.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $148 | $148 | 4.80% |
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 | 447 | 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) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC | 288 | $108K |
| Vision | EYEMED VISION CARE | 242 | $12K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 447 | $22K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 23 | $15K |
| Stop-loss / reinsurancereinsurance | BERKLEY ACCIDENT & HEALTH | 175 | $293K |
| Other | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 447 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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."
No prospect flags tripped on this filing.