| 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 | $58K | — | $58K | 4.56% |
| 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 | $7K | — | $7K | 10.56% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH LAKE DRIVE STE 200 HUNT VALLEY, MD 21030 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $893 | — | $893 | 1.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | PO BOX 2456 CLEARWATER, FL 33757 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $93 | — | $93 | 0.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SYRACUSE, NY 13204 | COMMERCIAL TRAVELERS | $629 | — | $629 | 9.16% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS DBA ENV | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | COMMERCIAL TRAVELERS | $53 | — | $53 | 0.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | THE HARTFORD | $317 | — | $317 | 15.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | THE HARTFORD | — | $84 | $84 | 3.98% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS DBA ENV | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE HARTFORD | — | $4 | $4 | 0.19% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 99 | $1.3M |
| Vision | COMMERCIAL TRAVELERS | 66 | $7K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 252 | $62K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 252 | $62K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 99 | $1.3M |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 252 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.