| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE R ROWLANDS3 Filed as: BRUCE R. ROWLANDS | 6 TOWER PLACE ALBANY, NY 12203 | EMPIRE HEALTHCHOICE ASSURANCE INC. | $168K | — | $168K | 2.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 800 WESTCHESTER AVE SUITE N311 RYE BROOK, NY 10573 | EMPIRE HEALTHCHOICE ASSURANCE INC. | $34K | — | $34K | 0.58% |
| PATRICK MARKIEWICZ3 | 8 TOWER PLACE ALBANY, NY 12203 | EMPIRE HEALTHCHOICE ASSURANCE INC. | $110 | — | $110 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | DBA ROWLANDS BARRANCA AGENCY 6 TOWER PLACE ALBANY, NY 12203 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $141K | — | $141K | 13.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 6 TOWER PLACE ALBANY, NY 12203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 3.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 333 EARLE OVINGTON BLVD SUITE 215 UNIONDALE, NY 11553 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 3.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY, INC. | 333 EARLE OVINGTON BLVD SUITE 215 UNIONDALE, NY 11553 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 2.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | DBA ROWLANDS BARRANCA AGENCY 6 TOWER PLACE ALBANY, NY 12203 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 1.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | DBA ROWLANDS BARRANCA AGENCY 6 TOWER PLACE ALBANY, NY 12203 | HM LIFE INSURANCE COMPANY (DAVISVISION) | $6K | — | $6K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 6 TOWER PLACE ALBANY, NY 12203 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | $674 | $6K | 16.10% |
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 | 585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 333 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC. | 553 | $6.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 575 | $202K |
| Vision | HM LIFE INSURANCE COMPANY (DAVISVISION) | 910 | $59K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 586 | $157K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 192 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 910 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.