| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | YOZELL INAURANCE 155 FEDERAL ST, #1500 BOSTON, MA 02021 | CIGNA HEALTH AND LIFE INSURANCE | — | $98K | $98K | 4.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE | — | $8K | $8K | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | THE GUARDIAN LIFE INSURANCE COMPANY | $26K | — | $26K | 12.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.14% |
| YOZELL INSURANCE, A DIVISION OF BRO3 Filed as: YOZELL INSURANCE | A DIV OF BROWN BROWN OF MASS 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | DELTA DENTAL OF NEW JERSEY, INC. | $9K | — | $9K | 4.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 0.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MASSACHUSETTS | 155 FEDERAL STREET SUITE 1500 BOSTON, MA 02110 | UNUM LIFE INSURNACE COMPANY OF AMERICA | $1K | — | $1K | 11.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | UNUM LIFE INSURNACE COMPANY OF AMERICA | $409 | — | $409 | 3.74% |
| YOZELL INSURANCE, A DIVISION OF BRO3 Filed as: YOZELL INSURANCE | A DIV OF BROWN AND BROWN OF MASS 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | EYEMED VISION CARE | $1K | — | $1K | 11.76% |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 178 | $2.3M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 358 | $214K |
| Vision | EYEMED VISION CARE | 176 | $10K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 239 | $217K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 239 | $217K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 239 | $217K |
| Other | UNUM LIFE INSURNACE COMPANY OF AMERICA | 71 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.