| 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 | — | $3K | $3K | 0.23% |
| 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 | $13K | $3K | $16K | 4.40% |
| 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 | $17K | — | $17K | 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 | — | $17K | $17K | 4.98% |
| 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 | 3.00% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE INS SERVICES INC | 4135 N FRONT ST HARRISBURG, PA 17110 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.84% |
| RUSSELL J CARPENTIERI3 | 800 WESTCHESTER AVENUE SUITE N409 RYE BROOK, NY 10573 | STANDARD INSURANCE COMPANY | $901 | — | $901 | 2.31% |
| BRANCA-RAMPART AGENCY INC3 | 2005 S EASTON RD STE 202 DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $708 | — | $708 | 1.82% |
| CHERA S GERSTEIN3 | 139 KENYON ST HARTFORD, CT 06105 | STANDARD INSURANCE COMPANY | $178 | — | $178 | 0.46% |
| SILAS MILNE WARNER3 | WILLIS OF CONNECTICUT, LLC 185 ASYLUM ST 25TH FL HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $150 | — | $150 | 0.38% |
| THE BAKER BENEFIT GROUP3 | 170 US ROUTE 1 STE 150 FALLMOUTH, ME 04105 | STANDARD INSURANCE COMPANY | $116 | — | $116 | 0.30% |
| JENNIFER L FIORITO3 | 2005 S EASTON RD STE 202 DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $89 | — | $89 | 0.23% |
| 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 | $331 | $2K | 17.99% |
| 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 | $129K |
| PROFESSIONAL GROUP PLANS INC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | $86K |
| CIGNA HEALTH AND LIFE INSURANCE CO | Other services; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation; Float revenue; Named fiduciary; Contract Administrator 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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 318 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $341K |
| Vision | VISION SERVICE PLAN | 195 | $74K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $358K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $358K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $358K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $413K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
No prospect flags tripped on this filing.