| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC - EMPIRE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | $42K | — | $42K | 3.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | $5K | — | $5K | 0.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC - EMPIRE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | $3K | — | $3K | 8.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | $819 | — | $819 | 2.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $745 | — | $745 | 8.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICE INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $542 | — | $542 | 6.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $193 | $193 | 2.25% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $144 | $144 | 1.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $350 | — | $350 | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES LLC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $233 | — | $233 | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $421 | — | $421 | 8.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $261 | — | $261 | 5.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $116 | $116 | 2.23% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $88 | $88 | 1.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $255 | — | $255 | 8.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $152 | — | $152 | 5.25% |
| 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 | — | $62 | $62 | 2.14% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $49 | $49 | 1.69% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 59 | $1.1M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 77 | $36K |
| Vision | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 75 | $6K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 137 | $3K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 26 | $5K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 26 | $9K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 59 | $1.1M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 137 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.