| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK GRISANTI3 | 1133 WESTCHESTER AVE. STE N136 WHITE PLAINS, NY 10604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $38K | — | $38K | 3.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK | 45 EAST AVENUE ROCHESTER, NY 146044604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.38% |
| MARK GRISANTI3 | 1133 WESTCHESTER AVE, STE N136 WHITE PLAINS, NY 10604 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 2.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 1133 WESTCHESTER AVE, STE N136 WHITE PLAINS, NY 10604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $362 | $3K | 6.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 1133 WESTCHESTER AVE, STE N136 WHITE PLAINS, NY 10604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $231 | $5K | 16.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | STE N-136 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $165 | $2K | 10.37% |
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 | 819 | 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) | 822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 512 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 512 | $1.2M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 512 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 681 | $21K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $43K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 512 | $2.0M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 681 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.