| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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. | $2K | — | $2K | 3.49% |
| OPUS ADVISORY GROUP3 Filed as: OPUS ADVISORY GROUP, LLC | 2500 WESTCHESTER AVENUE SUITE 401 PURCHASE, NY 10577 | DELTA DENTAL OF NEW JERSEY, INC. | $611 | — | $611 | 1.00% |
| 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 | $371 | — | $371 | 1.96% |
| OPUS ADVISORY GROUP3 | 2500 WESTCHESTER AVE SUITE 401 PURCHASE, NY 10577 | FLAGSHIP HEALTH SYSTEMS | $147 | — | $147 | 0.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVE N-136 WHITE PLAINS, NY 10604 | RELIANCE STANDARD LFE INSURANCE COMPANY | $830 | — | $830 | 11.01% |
| YOUR PFO CONSULTING LLC3 Filed as: YOUR PFO CONSULTING. LLC | 1133 WESTCHESTER AVE N-136 WHITE PLAINS, NY 106043546 | VISION SERVICES PLAN | $528 | — | $528 | 9.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WINCHESTER AVE N-136 WHITE PLAINS, NY 10604 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | — | $1 | 8.33% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 133 | $80K |
| Vision | VISION SERVICES PLAN | 63 | $6K |
| Life insurance | RELIANCE STANDARD LFE INSURANCE COMPANY | 239 | $8K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LFE INSURANCE COMPANY | 239 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.