| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | GUARDIAN | $6K | $5K | $11K | 5.03% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | GUARDIAN | $1K | — | $1K | 0.56% |
| 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 | $14K | — | $14K | 8.86% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 2.14% |
| 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 | $10K | — | $10K | 18.84% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 6.16% |
| 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 | $7K | — | $7K | 15.11% |
| BOLLINGER INC Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 4.89% |
| 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 | $4K | — | $4K | 9.26% |
| 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 | $7K | — | $7K | 19.14% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 5.86% |
| 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 | 11.63% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | COMPANION LIFE INSURANCE COMPANY | $543 | — | $543 | 2.37% |
| 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 | $668 | — | $668 | 11.63% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | MUTUAL OF OMAHA INSURANCE COMPANY | $136 | — | $136 | 2.37% |
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 | 986 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 657 | $160K |
| Dental | GUARDIAN | 594 | $210K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 708 | $38K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 986 | $75K |
| Short-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 984 | $202K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 79 | $36K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 986 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 986 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.