| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 0.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $5K | $12K | 4.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 1133 WESTCHESTER AVE SUITE N-136 WHITE PLAINS, NY 10604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45K | $7K | $52K | 20.62% |
| 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 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $6K | $12K | 5.50% |
| BRANDON PENKO3 Filed as: BRANDON T. PENKO | 4927 MAGNOLIA BEND DR. ROSHARON, TX 77583 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | — | $55K | 48.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 1133 WESTCHESTER AVE SUITE N-136 WHITE PLAINS, NY 10604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 20.85% |
| BRANDON PENKO3 Filed as: BRANDON T. PENKO | 4927 MAGNOLIA BEND DR. ROSHARON, TX 77583 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | — | $42K | 44.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 1133 WESTCHESTER AVE SUITE N-136 WHITE PLAINS, NY 10604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 19.23% |
| BRANDON PENKO3 | — | COMBINED INSURANCE | $3K | — | $3K | 3.91% |
| RUSSELL J CARPENTIERI3 Filed as: RUSSELL CARPENTIERI | — | COMBINED INSURANCE | $1K | — | $1K | 1.36% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | — | COMBINED INSURANCE | $258 | — | $258 | 0.32% |
| BRANDON PENKO3 Filed as: BRANDON T. PENKO | 4927 MAGNOLIA BEND DR. ROSHARON, TX 77583 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 42.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 1133 WESTCHESTER AVE SUITE N-136 WHITE PLAINS, NY 10604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 18.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | PO BOX 745841 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $6K | $136 | $6K | 17.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1500 BROADWAY FLOOR 21 NEW YORK, NY 10036 | METLIFE LEGAL PLANS | — | $549 | $549 | 1.45% |
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 | 1,493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,678 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,440 | $335K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,217 | $217K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,215 | $272K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,678 | $1.5M |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 655 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,678 | — |
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.