| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $23K | — | $23K | 2.30% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS DBA ENV | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUE CROSS BLUE SHIELD | $23K | — | $23K | 2.28% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH LAKE DRIVE HUNT VALLEY, MD 21030 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 13.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $488 | — | $488 | 0.89% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS DBA ENV | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | COMMERCIAL TRAVELERS | $518 | — | $518 | 8.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SYRACUSE, NY 13204 | COMMERCIAL TRAVELERS | $103 | — | $103 | 1.66% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS DBA ENV | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE HARTFORD | $234 | — | $234 | 12.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | THE HARTFORD | $49 | — | $49 | 2.59% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 96 | $1.0M |
| Vision | COMMERCIAL TRAVELERS | 59 | $6K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 243 | $55K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 243 | $55K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 96 | $1.0M |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 243 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.