| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 200 JOHN JAMES AUDUBON PKWY. AMHERST, NY 14228 | HEALTHNOW NEW YORK INC. | $190K | — | $190K | 1.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | — | DELTA DENTAL OF NEW YORK | $29K | — | $29K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $42K | — | $42K | 12.79% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN OF FL | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $15K | $15K | 4.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | 45 EAST AVE ROCHESTER, NY 146042219 | VISION SERVICE PLAN | $3K | — | $3K | 2.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, NY 606740001 | VISION SERVICE PLAN | $1K | — | $1K | 0.93% |
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 | 3,728 | 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) | 3,728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTHNOW NEW YORK INC. | 2,598 | $13.9M |
| Dental | DELTA DENTAL OF NEW YORK | 2,538 | $575K |
| Vision | VISION SERVICE PLAN | 1,143 | $117K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,332 | $325K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,332 | $325K |
| Prescription drug(2 contracts) | HEALTHNOW NEW YORK INC. | 2,598 | $13.9M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 3,728 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,728 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.