| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $81K | $349K | $429K | 5.68% |
| CHRIS A SCHNEIDER3 | 4133 LAWN AVE WESTERN SPRINGS, IL 605581441 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$16 | -$16 | -0.00% |
| JOHN T BLANCHARD3 | 1751 LAKE COOK RD STE 200 DEERFIELD, IL 600155222 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$16 | -$16 | -0.00% |
| YOURPFO CONSULTING LLC3 | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$32 | -$32 | -0.00% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | — | $33K | 5.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WEST HARRISON, NY 106043546 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $15 | $29K | 4.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 2.50% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, IL 77583 | COMBINED INSURANCE | $45K | — | $45K | 31.94% |
| RUSSELL J CARPENTIERI3 Filed as: RUSSELL CARPENTIERI | — | COMBINED INSURANCE | $19K | — | $19K | 13.23% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | 500 SKOKIE BLVD STE 590 NORTHBROOK, IL 600622891 | COMBINED INSURANCE | $597 | — | $597 | 0.42% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 775836093 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | — | $32K | 29.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WEST HARRISON, NY 106043546 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $15 | $14K | 12.77% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | METROPOLITAN LIFE INSURANCE COMPANY | — | $471 | $471 | 0.44% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IL 605172350 | METROPOLITAN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 775836093 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 25.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WEST HARRISON, NY 106043546 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $15 | $11K | 10.98% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | METROPOLITAN LIFE INSURANCE COMPANY | — | $424 | $424 | 0.43% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IL 605172350 | METROPOLITAN LIFE INSURANCE COMPANY | $67 | — | $67 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVENUE SUITE N-136 WEST HARRISON, NY 10604 | METLIFE LEGAL PLANS | $4K | — | $4K | 11.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 1500 BROADWAY FLOOR 21 NEW YORK, NY 10036 | METLIFE LEGAL PLANS | — | $541 | $541 | 1.61% |
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 | 989 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,946 | $7.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,160 | $597K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,160 | $597K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,160 | $597K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,160 | $597K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,160 | $597K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,160 | $773K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,946 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.