| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $97K | $47K | $145K | 6.09% |
| 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 | $119K | $33K | $153K | 9.16% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN | 45 EAST AVENUE ROCHESTER, NY 14604 | EYEMED VISION CARE | $37K | — | $37K | 3.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC., | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $294K | — | $294K | 31.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | MVP HEALTH CARE | $17K | — | $17K | 3.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY, INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | MVP HEALTH CARE | $437 | — | $437 | 3.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUESHIELD EIN 15-0329043 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 165 COURT STREET ROCHESTER, NY 14647 | $4.9M |
| EXCELLUS BLUECROSS BLUESHIELD EIN 15-0329043 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 165 COURT STREET ROCHESTER, NY 14647 | $315K |
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 | 13,925 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 13,925 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 151 | $1.0M |
| Vision | EYEMED VISION CARE | 13,802 | $1.1M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 13,408 | $2.4M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 12,010 | $1.7M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 8,928 | $943K |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 15,575 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,575 | — |
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.