| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF GARDEN CITY INC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $84K | — | $84K | 10.82% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 745834 ATLANTA, GA 30374 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.03% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF GARDEN CITY INC | 595 STEWART AVENUE 6TH FLOOR GARDEN CITY, NY 11530 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.57% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $62 | $62 | 0.03% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF GARDEN CITY, INC. | 595 STEWART AVENUE GARDEN CITY, NY 11530 | VISION SERVICE PLAN | $2K | — | $2K | 4.34% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF GARDEN CITY, INC. | 595 STEWART AVENUE FLOOR 7 GARDEN CITY, NY 11530 | METROPOLITAN GENERAL INSURANCE COMPANY | $53 | $26 | $79 | 1.25% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 254 | $35K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 286 | $234K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 286 | $234K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 286 | $234K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 510 | $775K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 286 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.