| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE # 700 ROCHESTER, NY 14604 | UNIVERA HEALTHCARE | $53K | — | $53K | 3.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $41 | $11K | 9.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 45 EAST AVENUE ROCHESTER, NY 14607 | EYEMED VISION CARE | $691 | — | $691 | 6.96% |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INSU | — | ESI EMPLOYEE ASSISTANCE GROUP | $336 | — | $336 | 4.64% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTHCARE | 126 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 308 | $123K |
| Vision | EYEMED VISION CARE | 163 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 308 | $123K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 308 | $123K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 308 | $123K |
| Prescription drug | UNIVERA HEALTHCARE | 126 | $1.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 308 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.