| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 45 EAST AVENUE 700 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $41K | — | $41K | 3.46% |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS AND FINANCIAL SERVIC | 28 MANIN STREET PO BOX 327 TOWANDA, PA 18848 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $3K | — | $3K | 0.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 45 EAST AVENUE 700 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $5K | — | $5K | 4.61% |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS AND FINANCIAL SERVIC | 28 MAIN STREET PO BOX 327 TOWANDA, PA 18848 | EXCELLUS BLUECROSS BLUESHIELD | $1K | — | $1K | 1.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY | 200 JOHN JAMES AUDUBON PKWY AMHERST, NY 14228 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 13.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL | 220 S RIDGEWOOD AVE 500 DAYTONA BEACH, FL 32114 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $175 | $175 | 0.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY | 200 JOHN JAMES AUDUBON PKWY AMHERST, NY 14228 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 13.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL | 220 S RIDGEWOOD AVE 500 DAYTONA BEACH, FL 32114 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $130 | $130 | 0.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY | 200 JOHN JAMES AUDUBON PKWY AMHERST, NY 14228 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 13.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL | 220 S RIDGEWOOD AVE 500 DAYTONA BEACH, FL 32114 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $129 | $129 | 0.72% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD PLAN | 140 | $1.2M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 174 | $110K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 114 | $18K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 87 | $18K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 57 | $22K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD PLAN | 140 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.