| 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 AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $472K | $9 | $472K | 3.55% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $2K | $30K | 3.42% |
| 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 | $22K | $37 | $22K | 2.53% |
| 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 | — | $7K | $7K | 0.80% |
| BRANDON PENKO3 | — | COMBINED INSURANCE | $39K | — | $39K | 25.05% |
| RUSSELL J CARPENTIERI3 Filed as: RUSSELL CARPENTIERI | — | COMBINED INSURANCE | $17K | — | $17K | 10.52% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | — | COMBINED INSURANCE | $321 | — | $321 | 0.20% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 775836093 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | — | $29K | 23.01% |
| 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 | $13K | $37 | $13K | 9.89% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $322 | $5K | 4.06% |
| 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 | — | $365 | $365 | 0.28% |
| 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 | DEARBORN LIFE INSURANCE COMPANY | $12K | — | $12K | 9.95% |
| OPUS INSURANCE AND INVESTMENT SERVI3 | 405 LIVELY BLVD ELK GROVE VILLAGE, IL 600072011 | DEARBORN LIFE INSURANCE COMPANY | $56 | — | $56 | 0.05% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 775836093 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 20.95% |
| 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 | $37 | $11K | 9.01% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $297 | $5K | 3.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | METROPOLITAN LIFE INSURANCE COMPANY | — | $324 | $324 | 0.27% |
| 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 | $5K | — | $5K | 13.74% |
| 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 | — | $732 | $732 | 2.07% |
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 | 1,633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,628 | $13.5M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,628 | $13.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 1,237 | $119K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,668 | $1.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,668 | $867K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,668 | $867K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,668 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,628 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.