| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY, INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $95K | $20K | $115K | 5.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC. | 56 LIVINGSTON AVE ROSELAND, NJ 07068 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $11K | $11K | 0.47% |
| BROWN AND BROWN OF FLORIDA, INC.0 Filed as: BROWN & BROWN OF NY, INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $821K | $821K | 49.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY, INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $122K | $14K | $136K | 8.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | MVP HEALTH CARE | $24K | — | $24K | 5.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY, INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | MVP HEALTH CARE | $750 | — | $750 | 5.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUECROSS BLUESHIELD EIN 15-0329043 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 165 COURT STREET ROCHESTER, NY 14647 | $4.4M |
| BROWN & BROWN OF NEW YORK, INC BROKER | Insurance agents and brokers Service code 22 | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | $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 | 13,300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 13,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 138 | $924K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 13,324 | $2.3M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,675 | $1.7M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 8,970 | $849K |
| Other(6 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 13,324 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,324 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.