| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS. AND FINANCIAL SERVI | — | EXCELLUS BLUECROSS BLUESHIELD PLAN | $37K | — | $37K | 3.40% |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS AND FINANCIAL SERVIC | 28 MANIN STREET PO BOX 327 TOWANDA, PA 18848 | EXCELLUS BLUECROSS BLUESHIELD PLAN | — | — | $0 | 0.00% |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS AND FINANCIAL SERVIC | 28 MAIN STREET PO BOX 327 TOWANDA, PA 18848 | EXCELLUS BLUECROSS BLUESHIELD | $7K | — | $7K | 7.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 12.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 200 JOHN JAMES AUDUBON PKWY AMHERST, NY 14228 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $305 | — | $305 | 1.31% |
| 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 | — | $143 | $143 | 0.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 12.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 200 JOHN JAMES AUDUBON PKWY AMHERST, NY 14228 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $251 | — | $251 | 1.35% |
| 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 | — | $123 | $123 | 0.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 12.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 200 JOHN JAMES AUDUBON PKWY AMHERST, NY 14228 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $240 | — | $240 | 1.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $122 | $122 | 0.66% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD PLAN | 143 | $1.1M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 164 | $106K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 111 | $19K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 83 | $18K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 55 | $23K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD PLAN | 143 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
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.