| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK | 1133 WESTCHESTER AVENUE, SUITE N136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $115K | $115K | 2.00% |
| FNA INSURANCE SERVICES INC3 | 300 CONNELL DRIVE, SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $87K | $87K | 1.50% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | -$277 | -$277 | -0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 1133 WESTCHESTER AVENUE, SUITE N136 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 3.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SVCS. INC | 1133 WESTCHESTER AVENUE, SUITE N136 WHITE PLAINS, NY 10604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $32K | $0 | $32K | 10.18% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $19K | $19K | 6.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 1133 WESTCHESTER AVENUE, SUITE N136 WHITE PLAINS, NY 10604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $15K | $0 | $15K | 4.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 1133 WESTCHESTER AVENUE, SUITE N136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $2K | $8K | 12.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SVCS. INC | 1133 WESTCHESTER AVENUE, SUITE N136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.00% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX BENEFIT TECHNOLOGY, INC. | 225 KENNETH DRIVE ROCHESTER, NY 14623 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $99 | $2K | 5.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SVCS. INC | 1133 WESTCHESTER AVENUE, SUITE N136 WHITE PLAINS, NY 10604 | METROPOLITAN LIFE INSURANCE COMPANY | $556 | $99 | $655 | 1.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PLACE ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $353 | $353 | 0.81% |
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 | 847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 509 | $5.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 909 | $320K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 909 | $320K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 847 | $358K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 404 | $315K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 404 | $315K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 509 | $5.8M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 847 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 909 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.