| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY DBA OPUS ADV | 1133 WESTCHESTER AVENUE SUITE N136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $16K | 4.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY DBA OPUS ADV. | 1133 WESTCHESTER AVENUE SUITE N136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 4.98% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 3.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 1133 WESTCHESTER AVENUE STE N-136 WHITE PLAINS, NY 10604 | VISION SERVICE PLAN | $2K | — | $2K | 3.18% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE INSURANCE SERVICES INC. | 4135 N FRONT STREET HARRISBURG, PA 17110 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 19.75% |
| RUSSELL J CARPENTIERI3 | 800 WESTCHESTER AVENUE SUITE N409 RYE BROOK, NY 10573 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.94% |
| BRANCA-RAMPART AGENCY INC3 | 2005 S EASTON RD STE 202 DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.79% |
| CHERA S GERSTEIN3 | 10 STATE HOUSE SQUARE FL11 HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $357 | — | $357 | 0.95% |
| MARK BAKER/THE BAKER BENEFIT GROUP3 Filed as: MARK BAKER - BAKER BENEFIT GROUP | 170 US ROUTE 1 STE 150 FALMOUTH, ME 04105 | STANDARD INSURANCE COMPANY | $333 | — | $333 | 0.89% |
| SILAS MILNE WARNER3 | 185 ASYLUM ST 25TH FL HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $300 | — | $300 | 0.80% |
| JENNIFER FIORITO3 | 2005 S EASTON RD STE 202 DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $256 | — | $256 | 0.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY DBA OPUS ADV | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $472 | — | $472 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF NY DBA OPUS ADV INSURANCE BROKER | Insurance agents and brokers Service code 22 | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 106043546 | $114K |
| PROFESSIONAL GROUP PLANS INC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | $76K |
| CIGNA HEALTH AND LIFE INSURANCE CO | Participant communication; Named fiduciary; Other services; Non-monetary compensation; Claims processing; Contract Administrator; Float revenue; Direct payment from the plan Service code 12 | — | $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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 278 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 169 | $293K |
| Vision | VISION SERVICE PLAN | 170 | $65K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $352K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $352K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $352K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.