| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 6 TOWER PLACE ALBANY, NY 12203 | EMPIRE HEALTHCHOICE ASSURANCE INC. | $68K | — | $68K | 1.64% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC. | 400 WILLOWBROOK OFFICE PARK SUITE FAIRPORT, NY 14450 | EMPIRE HEALTHCHOICE ASSURANCE INC. | $50K | — | $50K | 1.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY DBA | ROWLANDS BARRANCA AGENCY 6 TOWER PLACE ALBANY, NY 12203 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $69K | — | $69K | 6.19% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC. | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $40K | — | $40K | 3.54% |
| 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 | 2.02% |
| 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 | $2K | — | $2K | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | DBA ROWLANDS BARRANCA AGENCY 6 TOWER PLACE ALBANY, NY 12203 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $888 | — | $888 | 1.12% |
| 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) | $2K | — | $2K | 3.47% |
| 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 | $3K | — | $3K | 10.00% |
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. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC. | 536 | $5.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 539 | $384K |
| Vision | HM LIFE INSURANCE COMPANY (DAVISVISION) | 402 | $69K |
| Life insurance(3 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 586 | $138K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 188 | $45K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 554 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.