| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY INC | 595 STEWART AVENUE 7TH FLOOR GARDEN CITY, NY 11530 | UNITED HEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 5.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY INC | 595 STEWART AVENUE FLOOR 7 GARDEN CITY, NY 11530 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 8.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY INC | 595 STEWART AVENUE FLOOR 7 GARDEN CITY, NY 11530 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 10.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY, INC. | — | VISION SERVICE PLAN | $2K | — | $2K | 4.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY/DBA SO | 595 STEWART AVENUE GARDEN CITY, NY 11530 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.63% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $111 | $2K | 7.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY, INC | 595 STEWART AVENUE FLOOR 7 GARDEN CITY, NY 11530 | METLIFE LEGAL PLANS | $393 | $49 | $442 | 10.32% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 269 | $40K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $188K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $188K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $188K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 262 | $559K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.