| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $110K | $10K | $120K | 4.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $127K | $5K | $132K | 7.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $359K | — | $359K | 23.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | EYEMED VISION CARE | $62K | $0 | $62K | 5.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $24K | — | $24K | 5.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | MVP HEALTHCARE | $13K | $0 | $13K | 3.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $16K | $17K | $33K | 10.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $10K | $10K | $19K | 10.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | MVP HEALTHCARE | $1K | $0 | $1K | 4.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $1K | — | $1K | 3.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $799 | — | $799 | 6.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | EYEMED VISION CARE | $528 | $0 | $528 | 4.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | MVP HEALTHCARE | $300 | $0 | $300 | 3.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $388 | — | $388 | 6.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK,INC | 45 EAST AVE ROCHESTER, NY 14604 | MVP HEALTHCARE | $38 | $0 | $38 | 5.90% |
| 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 | 18,962 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 18,962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 159 | $874K |
| Vision(2 contracts) | EYEMED VISION CARE | 14,984 | $1.2M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14,635 | $2.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 13,174 | $1.8M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 9,005 | $1.5M |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 16,998 | $822K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,998 | — |
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.