| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS - NY | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $41K | — | $41K | 4.25% |
| BROWN & BROWN INSURANCE SERVICES3 | 45 EAST AVE ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $211 | $3K | 5.13% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.55% |
| BROWN & BROWN INSURANCE SERVICES3 | 300 N BEACH ST DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $508 | $508 | 0.91% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INSURANCE | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.06% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 1719 ROUTE 10 STE 106 PARSIPPANY, NJ 07054 | GUARDIAN | $6K | $3K | $9K | 17.18% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE ST STE 1710 BOSTON, MA 02109 | GUARDIAN | $3K | — | $3K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN NY | — | METROPOLITAN LIFE INSURANCE COMPANY | $596 | — | $596 | 10.01% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 88 | $960K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 141 | $56K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 116 | $6K |
| Life insurance | GUARDIAN | 147 | $51K |
| Short-term disability | GUARDIAN | 147 | $51K |
| Long-term disability | GUARDIAN | 147 | $51K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 88 | $960K |
| Other | GUARDIAN | 147 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.