| 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 ROCHESTER, NY 14604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $204K | $0 | $204K | 3.34% |
| PACIFIC RESRC BNFT ADVSRS LLC3 Filed as: PACIFIC RESRC BENEFIT ADVISORS | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $100K | $100K | 1.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BOULEVARD SUITE 100 ROCHESTER, IL 14618 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72K | $0 | $72K | 1.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 416672 BOSTON, MA 02241 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $0 | $36K | 0.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 SOUTH WACKER DRIVE, SUITE 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $26K | $26K | 0.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $42K | $0 | $42K | 3.80% |
| PACIFIC RESRC BNFT ADVSRS LLC3 Filed as: PACIFIC RESRC BENEFIT ADVISORS | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $36K | $36K | 3.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $13K | $0 | $13K | 1.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 45 EAST AVENUE, 8TH FLOOR ROCHESTER, NY 14604 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | $8K | $0 | $8K | 0.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 45 EAST AVENUE, SUITE 700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $12K | $0 | $12K | 2.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BOULEVARD SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUE CROSS BLUE SHIELD | $8K | $0 | $8K | 1.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 45 EAST AVENUE, SUITE 700 ROCHESTER, NY 14604 | MVP HEALTHCARE | $10K | $0 | $10K | 3.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BOULEVARD SUITE 100 ROCHESTER, NY 14618 | MVP HEALTHCARE | $3K | $0 | $3K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LEGALPLANS, USA | $18K | $0 | $18K | 10.86% |
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 | 16,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 131 | $737K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | 14,392 | $939K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16,176 | $6.1M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16,176 | $6.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16,176 | $6.1M |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 131 | $418K |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 21,330 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,330 | — |
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.