| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARY R COLEMAN | 44 RIDGE RD RENSSELAER, NY 12144 | AFLAC | $5K | $983 | $6K | 12.04% |
| BETH SERFILIPPI | 8 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $2K | $337 | $2K | 4.70% |
| SUSAN M TODD-BEDELL | 249 N BALLSTON AVE SCOTIA, NY 12302 | AFLAC | $1K | $368 | $2K | 3.62% |
| CHARITY NICOLE CATALFAMO | 1705 HILLCREST AVE CASTLETON ON HUDSON, NY 12033 | AFLAC | $1K | $334 | $2K | 3.11% |
| DARRYL J YOUNG | 4522 SHADY PLACE COURT BOWLING GREEN, KY 42104 | AFLAC | $845 | $287 | $1K | 2.31% |
| MCINERNEY GROUP LLC Filed as: MCINERNEY GROUP INC | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $571 | $313 | $884 | 1.81% |
| JANINE FOX Filed as: JANINE M FOX | 5303 HARMONY MILLS WEST COHOES, NY 12047 | AFLAC | $450 | $50 | $500 | 1.02% |
| ERIN HOLZSCHUH Filed as: ERIN L HOLZSCHUH | 550 LATONA ROAD SUITE D410 ROCHESTER, NY 14626 | AFLAC | $65 | $11 | $76 | 0.16% |
| GREGG STODDARD | 817 WHITNEY DR NISKAYUNA, NY 12309 | AFLAC | $72 | $0 | $72 | 0.15% |
| BRAD JONES AND ASSOCIATES INC | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $41 | $26 | $67 | 0.14% |
| LAURA GINGERESKY | 7 WOODBINE AVE WATERVLIET, NY 12189 | AFLAC | $62 | $0 | $62 | 0.13% |
| ROBERT PELTON | 885 SCOTTSVILLE MUMFORD RD SCOTTSVILLE, NY 14546 | AFLAC | $10 | $2 | $12 | 0.02% |
| TIMOTHY HENDERSON | 1151 PITTSFOR VICTOR RD STE 215 PITTSFORD, NY 14534 | AFLAC | $8 | $2 | $10 | 0.02% |
| KELY A IRVINE | 333 GLEN STREET SUITE 201 GLENS FALLS, NY 12801 | AFLAC | $10 | $0 | $10 | 0.02% |
| LISA J BRENNAN-JONES | 1014 CATHERINE WOODS SCHENECTADY, NY 12309 | AFLAC | $5 | $0 | $5 | 0.01% |
| MARGARET BRESLIN | 250 WINDWARD DR PORT JEFFERSON, NY 11777 | AFLAC | $5 | $0 | $5 | 0.01% |
| SAL RESTIVO INSURANCE BROKERAGE COR | 32 HASKEL LANE STONYBROOK, NY 11790 | AFLAC | $4 | $0 | $4 | 0.01% |
| JEFF DALABA | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $3 | $0 | $3 | 0.01% |
| RANDI E RIVA | 312 GALLERY LN MOUNT BETHEL, PA 18343 | AFLAC | $2 | $0 | $2 | 0.00% |
| EDWIN O'CONNOR | P O BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $2 | $0 | $2 | 0.00% |
| JAMES (JAY) GRIMES | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $1 | $0 | $1 | 0.00% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC | 105 DOWNING RD SYRACUSE, NY 132141546 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.34% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $269 | $20 | $289 | 5.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 117 WEST LIBERTY ST ROME, NY 13440 | THE PAUL REVERE LIFE INSURANCE COMPANY | $267 | — | $267 | 5.27% |
| ASHLEY GRANATO3 | 4 EMMA ST AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $42 | $0 | $42 | 0.83% |
| DARLENE F MAHADY3 | 56 TABER RD NEW HARTFORD, NY 13413 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.12% |
| CHRISTINE MARIE HUNT3 | 900 COUNTY ROUTE 7 HANNIBAL, NY 13074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.10% |
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 | 361 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 210 | $69K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $43K |
| Other(2 contracts, 2 carriers) | AFLAC | 56 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.