| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $111K | $0 | $111K | 4.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 45 EAST AVE #700 ROCHESTER, NY 14604 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $132K | — | $132K | 7.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $356K | — | $356K | 25.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK,INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EYEMED VISION CARE | $55K | — | $55K | 5.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $23K | — | $23K | 4.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC | 45 EAST AVE #700 ROCHESTER, NY 14604 | MVP HEALTHCARE | $14K | $0 | $14K | 3.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC | 45 EAST AVE #700 ROCHESTER, NY 14604 | MVP HEALTHCARE | $2K | $0 | $2K | 3.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $1K | — | $1K | 2.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $735 | — | $735 | 4.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $499 | — | $499 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC | 45 EAST AVE #700 ROCHESTER, NY 14604 | MVP HEALTHCARE | $300 | $0 | $300 | 3.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EYEMED VISION CARE | $400 | — | $400 | 5.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC | 45 EAST AVE #700 ROCHESTER, NY 14604 | MVP HEALTHCARE | $138 | $0 | $138 | 3.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 165 COURT STREET ROCHESTER, NY 14647 | $5.4M |
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 | 19,417 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 19,417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 160 | $998K |
| Vision(2 contracts) | EYEMED VISION CARE | 15,444 | $1.0M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 15,065 | $2.8M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 13,510 | $1.9M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 9,526 | $1.4M |
| Other(2 contracts, 2 carriers) | EMPLOYEE NETWORK, INC | 17,634 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,634 | — |
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.