| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 800 WESTCHESTER AVENUE STE 302 RYE BROOK, NY 10573 | UNITEDHEALTHCARE INSURANCE COMPANY | $73K | — | $73K | 4.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 520 CROMWELL AVE ROCKY HILL, CT 06067 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 3.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVNUE N-136 WHITE PLAINS, NY 10604 | DELTA DENTAL OF NEW JERSEY, INC. | $815 | — | $815 | 0.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVE N-136 WHITE PLAINS, NY 10604 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1200 N. MAYFAIR RD. SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $86 | $86 | 0.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10604 | VISION SERVICES PLAN | $766 | — | $766 | 7.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 520 CROMWELL AVE ROCKY HILL, CT 06067 | FLAGSHIP HEALTH SYSTEMS | $166 | — | $166 | 2.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVE N-136 WHITE PLAINS, NY 10604 | FLAGSHIP HEALTH SYSTEMS | $58 | — | $58 | 0.78% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 189 | $1.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 179 | $95K |
| Vision | VISION SERVICES PLAN | 92 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 262 | $14K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 262 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.