| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE N-136 WHITE PLAINS, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $3K | $13K | 3.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FL NEW YORK, NY 10173 | ACE AMERICAN INSURANCE COMPANY | — | $6K | $6K | 3.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 1133 WESTCHESTER AVE N-136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 8.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE N-136 WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $16K | $813 | $17K | 15.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE N-136 WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $783 | $8K | 7.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 340 MADISON AVENUE 21ST FL NEW YORK, NY 10173 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE N-136 WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 8.44% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY RD PO BOX 40386 NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $601 | $45 | $646 | 2.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD 2ND FLOOR SUMMIT, NY 07901 | FIRST UNUM LIFE INSURANCE COMPANY | $58 | — | $58 | 0.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 1133 WESTCHESTER AVE N-136A WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $232 | — | $232 | 8.02% |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 837 | $8.7M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 837 | $8.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,170 | $57K |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 456 | $454K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 456 | $343K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 456 | $343K |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 837 | $8.6M |
| Other(7 contracts, 5 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 595 | $810K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,170 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.