| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 14.59% |
| BROWN & BROWN INSURANCE SERVICES3 | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.61% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BORWN OF NEW YORK, INC | 500 PLUM ST. STE 200 SYRACUSE, NY 13204 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 15.07% |
| BROWN & BROWN INSURANCE SERVICES3 | 11595 N. MERIDIAN AVE SUITE 250 CARMEL, IN 46032 | FIRST STOP HEALTH | $8K | — | $8K | 7.36% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 17.84% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.72% |
| BROWN & BROWN INSURANCE SERVICES3 | 1133 WESTCHESTER AVENUE N 136 WHITE PLAINS, NY 10604 | EYEMED VISION CARE | $14K | — | $14K | 18.35% |
| BROWN & BROWN INSURANCE SERVICES3 | 800 WESTCHESTER AVENUE SUITE 302 RYE BROOK, NY 10573 | EYEMED VISION CARE | $14K | — | $14K | 18.35% |
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 | 933 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,540 | $74K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 933 | $253K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 363 | $90K |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 933 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,540 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.