| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE R ROWLANDS3 | 6 TOWER PL ALBANY, NY 122033725 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $4K | $4K | 0.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | MUTUAL OF OMAHA INSURANCE COMPANY | $16K | — | $16K | 11.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | COMPANION LIFE INSURANCE COMPANY | $13K | — | $13K | 25.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | — | $8K | 25.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 14.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | MUTUAL OF OMAHA INSURANCE COMPANY | $772 | — | $772 | 14.01% |
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 | 958 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 601 | $1.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 601 | $30K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 954 | $74K |
| Short-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 958 | $183K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 72 | $31K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 951 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 958 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.