| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC-NEW YORK | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $58K | — | $58K | 2.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $16K | — | $16K | 0.75% |
| 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 | $6K | $1K | $8K | 6.78% |
| 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 | $5K | — | $5K | 4.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 8.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $503 | $503 | 0.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $467 | $467 | 0.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 45 EAST AVENUE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $1K | — | $1K | 5.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | 45 EAST AVENUE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $537 | — | $537 | 2.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 9.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $161 | $161 | 0.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 45 EAST AVENUE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $852 | — | $852 | 9.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENBCY OF | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $99 | $99 | 1.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $347 | — | $347 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $25 | $25 | 0.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | — | $99 | $99 | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 45 EAST AVENUE ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | — | $99 | $99 | — |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST | 71 MONROE AVENUE SUITE A PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | — | $36 | $36 | — |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 161 | $2.1M |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 171 | $112K |
| Vision | VISION SERVICE PLAN | 149 | $23K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 197 | $47K |
| Short-term disability(3 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 175 | $26K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 197 | $54K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 161 | $2.1M |
| Other(3 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 197 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.