| 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 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $71K | — | $71K | 3.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $8K | — | $8K | 5.70% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 4.62% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERAN INC | PO BOX 640 EAST GREENBUSH, NY 120610640 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 10.06% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 120610640 | 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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 140 | $2.0M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 140 | $142K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 169 | $61K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 169 | $61K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 165 | $35K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 140 | $2.0M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 61 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.