| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $50K | — | $50K | 3.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $8K | — | $8K | 6.71% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 5.95% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 12.34% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD PLAN | 122 | $1.3M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD PLAN | 124 | $112K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 145 | $53K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 145 | $53K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 145 | $29K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD PLAN | 122 | $1.3M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 49 | $10K |
| 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.