| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.74% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.45% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 17.08% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES | 11220 ASSETT LOOPE STE 304 MANASSAS, VA 20109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.66% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.78% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.69% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN NY WHITE PLAINS | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 9.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES INC. | 800 WESTCHESTER AVE #302 RYE BROOK, NY 10573 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 25.93% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC. | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.54% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES INC. | 800 WESTCHESTER AVE #302 RYE BROOK, NY 10573 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 19.32% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.70% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 800 WESTCHESTER AVE #302 RYE BROOK, NY 10573 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 23.81% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC. | 11220 ASSETT LOOP STE 304 MANASSAS, VA 77583 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $780 | $780 | 2.30% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | PO BOX 745841 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $1K | — | $1K | 8.25% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK | PO BOX 745841 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $1K | $34 | $1K | 7.72% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | METLIFE LEGAL PLANS | — | $748 | $748 | 4.22% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 5900 N. ANDREWS LANE SUITE 401 FORT LAUDERDALE, FL 33309 | METLIFE LEGAL PLANS | — | $115 | $115 | 0.65% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS SERVICE | 14285 MIDWAY RD. STE 100 ADDISON, TX 75001 | METLIFE LEGAL PLANS | — | $4 | $4 | 0.02% |
| BROWN & BROWN INSURANCE SERVICES3 | — | COMBINED INSURANCE | $100 | — | $100 | 2.01% |
| BRANDON PENKO3 | — | COMBINED INSURANCE | $69 | — | $69 | 1.39% |
| RUSSELL J CARPENTIERI3 Filed as: RUSSELL CARPENTIERI | — | COMBINED INSURANCE | $22 | — | $22 | 0.44% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | — | COMBINED INSURANCE | $8 | — | $8 | 0.16% |
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 | 661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,170 | $66K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 676 | $102K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 546 | $96K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 536 | $117K |
| Stop-loss / reinsurancereinsurance | WELLPOINT | 636 | $774K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,170 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.