| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $38K | — | $38K | 4.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $559 | $559 | 1.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | COMPANION LIFE INSURANCE COMPANY | $1K | $767 | $2K | 9.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $786 | — | $786 | 4.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST. STE 200 SYRACUSE, NY 13204 | MUTUAL OF OMAHA INSURANCE COMPANY | $794 | $397 | $1K | 8.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 45 EAST AVE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $630 | — | $630 | 4.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | MUTUAL OF OMAHA INSURANCE COMPANY | $401 | $133 | $534 | 7.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $305 | — | $305 | 4.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $150 | $150 | — |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 92 | $890K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $45K |
| Vision | HM LIFE INSURANCE COMPANY | 124 | $6K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 55 | $7K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 30 | $14K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 92 | $890K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 56 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.