| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIPER JORDAN H AND B PARTNERS, LLC3 | 8337 WEST SUNSET ROAD LAS VEGAS, NV 89113 | AETNA LIFE INSURANCE COMPANY | $317K | — | $317K | 1.56% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS | 12520 HIGH BLUFF DRIVE SAN DIEGO, CA 92130 | AETNA LIFE INSURANCE COMPANY | $305K | — | $305K | 1.50% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE, INC. | PO BOX 743171 LOS ANGELES, CA 90074 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $125K | — | $125K | 10.52% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF FLORIDA | PO BOX 745834 ATLANTA, GA 30374 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $35K | $35K | 2.96% |
| PIPER JORDAN H AND B PARTNERS, LLC3 | 8337 WEST SUNSET ROAD LAS VEGAS, NV 89113 | DELTA DENTAL OF NEW YORK | $51K | $0 | $51K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS, INC | 8337 WEST SUNSET ROAD SUITE 150 LAS VEGAS, NV 89113 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $21K | $0 | $21K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $0 | $5K | $5K | 2.29% |
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 | 1,411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2,319 | $20.4M |
| Dental | DELTA DENTAL OF NEW YORK | 2,480 | $1.0M |
| Vision | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 2,213 | $205K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,410 | $1.2M |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,410 | $1.2M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,410 | $1.2M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 2,319 | $20.4M |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,410 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,480 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.