| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 1133 WESTCHESTER AVE N-136 WHITE PLAINS, NY 10604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $14K | $56K | 12.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 1133 WESTCHESTER AVE N-136 WHITE PLAINS, NY 10604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $10K | $35K | 12.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVENUE SUITE N-136 WEST HARRISON, NY 10604 | RELIASTAR LIFE INSURANCE COMPANY | $45K | — | $45K | 21.97% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC. | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 100 RIALTO PLACE SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 15.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10605 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 3.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | PO BOX 745841 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $6K | $224 | $7K | 7.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVENUE SUITE N-136 WEST HARRISON, NY 10604 | METLIFE LEGAL PLANS | $1K | — | $1K | 1.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1500 BROADWAY FLOOR 21 NEW YORK, NY 10036 | METLIFE LEGAL PLANS | — | $923 | $923 | 1.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.3M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE. HARTFORD, CT 06156 | $110K |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $59K |
| RXBENEFITS, INC EIN 63-1157085 CLAIMS PROCESSING | Claims processing Service code 12 | — | $21K |
| BROWN & BROWN OF NEW YORK BROKER | Insurance agents and brokers; Other commissions Service code 22 | 1133 WESTCHESTER AVE N-136 WHITE PLAINS, NY 10604 | $0 |
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 | 2,102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 141 | $900K |
| Vision | VISION SERVICE PLAN | 1,422 | $237K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,102 | $558K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,103 | $375K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 141 | $900K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY HARTFORD CT | 1,643 | $1.4M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,035 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,103 | — |
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.