| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $38K | — | $38K | 3.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD PLAN | $5K | — | $5K | 5.87% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 626 NORTH FRENCH RD STE 3 AMHERST, NY 14228 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 10.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 4.91% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 626 NORTH FRENCH RD STE 3 AMHERST, NY 14228 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 10.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 4.88% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 626 NORTH FRENCH RD STE 3 AMHERST, NY 14228 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 10.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $910 | — | $910 | 4.93% |
| FJM & ASSOCIATES OF BUFFALO INC3 Filed as: FJM ASSOCIATES OF BUFFALO INC | 626 NORTH FRENCH RD STE 3 AMHERST, NY 14228 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $611 | — | $611 | 9.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $187 | — | $187 | 2.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $145 | — | $145 | 2.35% |
| FJM & ASSOCIATES OF BUFFALO INC3 Filed as: FJM ASSOC OF BUFFALO INC | 626 N FRENCH RD STE 3 AMHERST, NY 14228 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $463 | — | $463 | 11.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $142 | — | $142 | 3.39% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 113 | $961K |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD PLAN | 152 | $78K |
| Vision | VISION SERVICE PLAN | 64 | $6K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 83 | $18K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 54 | $37K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 113 | $961K |
| Other(3 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 114 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.