| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARY R COLEMAN | 44 RIDGE ROA RENSSELAER, NY 12144 | AFLAC | $5K | $203 | $5K | 10.03% |
| BETH SERFILIPPI | 9 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $1K | — | $1K | 2.14% |
| SUSAN M TODD-BEDELL | 249 N BALLSTON AVE SCOTIA, NY 12302 | AFLAC | $751 | — | $751 | 1.56% |
| DEBORAH M TALLMAN | 316A GULF ROAD COHOES, NY 12047 | AFLAC | $513 | $41 | $554 | 1.15% |
| KRISTA ANNE ROTONDI Filed as: KRISTA GRASSIA | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $407 | $41 | $448 | 0.93% |
| DARRYL J YOUNG | 4522 SHADY PLACE COURT BOWLING GREEN, KY 42104 | AFLAC | $417 | — | $417 | 0.87% |
| BRENDA MALANEY GORE | 30 OLD GLORY LN BALLSTON SPA, NY 12020 | AFLAC | $283 | — | $283 | 0.59% |
| JANINE FOX Filed as: JANINE M FOX | 5303 HARMONY MILLS WEST CAHOES, NY 12047 | AFLAC | $153 | — | $153 | 0.32% |
| CHARITY NICOLE CATALFAMO | 1705 HILLCREST AVE CASTLETON ON HUDSON, NY 12033 | AFLAC | $147 | — | $147 | 0.31% |
| MCINERNEY GROUP LLC Filed as: MCINERNEY GROUP INC | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $146 | — | $146 | 0.30% |
| KRISTA ANNE ROTONDI | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $105 | — | $105 | 0.22% |
| KEVIN MCCARTHY | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $57 | — | $57 | 0.12% |
| TOMAS E FLORES | 1265 15TH ST APT 16G FORT LEE, NJ 07024 | AFLAC | $29 | — | $29 | 0.06% |
| LAURA GINGERESKY | 7 WOODBINE AVE WATERVLIET, NY 12189 | AFLAC | $24 | — | $24 | 0.05% |
| ROSANN M CURRAN | 1536 RIDGE RD QUEENSBURY, NY 12804 | AFLAC | $20 | — | $20 | 0.04% |
| KELLY A IRVINE | 333 GLEN STREET SUITE 201 GLENS FALLS, NY 12801 | AFLAC | $14 | — | $14 | 0.03% |
| BRAD JONES AND ASSOCIATES INC | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $8 | — | $8 | 0.02% |
| CATHY HEDBERG | 663 WESTERN AVE ALBANY, NY 12203 | AFLAC | $7 | — | $7 | 0.01% |
| LISA J BRENNAN-JONES | 1014 CATHERINE WOODS SCHENECTADY, NY 12309 | AFLAC | $6 | — | $6 | 0.01% |
| JEFF DALABA | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN MURPHY | 11 WILLBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $3 | — | $3 | 0.01% |
| RANDI E RIVA | 213 GALLERY LANE MOUNT BETHEL, PA 18343 | AFLAC | $2 | — | $2 | 0.00% |
| BENITO A ROTONDI II INC | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.00% |
| TIMOTHY HENDERSON | 1151 PITTSFORD VICTOR RD STE 215 PITTSFORD, NY 14534 | AFLAC | $1 | — | $1 | 0.00% |
| ERIN HOLZSCHUH Filed as: ERIN L HOLZSCHUH | 550 LATONA ROAD SUITE D410 ROCHESTER, NY 14626 | AFLAC | $1 | — | $1 | 0.00% |
| LAURIE L SMITH | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $1 | — | $1 | 0.00% |
| SUSAN C BRIMHALL | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $1 | — | $1 | 0.00% |
| ROSE & KIERNAN INC Filed as: ROSE AND KIERNAN INC | 99 TROY RD STE 3 EAST GREENBUSH, NY 12061 | AFLAC | $1 | — | $1 | 0.00% |
| IRMA MATILDE WOODARD | 7684 STATE ROUTE 66 AVERILL PARK, NY 12018 | AFLAC | $1 | — | $1 | 0.00% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC | 105 DOWNING ROAD SYRACUSE, NY 132141546 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | HM LIFE INSURANCE COMPANY OF NY | $572 | — | $572 | 10.01% |
| 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 | $128 | — | $128 | 3.82% |
| DONALD H MATSON3 | 8 ROSEWOOD DRIVE AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $126 | — | $126 | 3.76% |
| ASHLEY GRANATO3 | 4 EMMA ST AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.90% |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 203 | $74K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $44K |
| Vision | HM LIFE INSURANCE COMPANY OF NY | 76 | $6K |
| Other(2 contracts, 2 carriers) | AFLAC | 51 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.