| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN & CO INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | CDPHP | $239K | — | $239K | 2.99% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY | 20 CORPORATE WOODS BLVD. ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $3K | $16K | 4.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | 150 JOHN F KENNEDY PKWY STE 52 PO BOX 5002 SHORT HILLS, NJ 07078 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $1K | $13K | 3.84% |
| CATHY HEDBERG3 | 863 WESTERN AVE ALBANY, NY 12203 | AFLAC | $16K | $720 | $16K | 10.24% |
| BETH SERFILIPPI3 | 8 HILLSTONE COURT BALLSTON LAKE, NY 12019 | AFLAC | $4K | $88 | $4K | 2.25% |
| JANINE FOX3 Filed as: JANINE M FOX | 5303 HARMONEY MILLS WEST COHOES, NY 12047 | AFLAC | $3K | $144 | $3K | 1.78% |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $2K | — | $2K | 1.11% |
| SARA S BRUDNOY3 | 7822 CYPRESS CRESCENT BOCA RATON, FL 33433 | AFLAC | $2K | — | $2K | 1.03% |
| LISA J BRENNAN-JONES3 | 1014 CATHERINE WOODS SCHENECTADY, NY 12309 | AFLAC | $776 | — | $776 | 0.48% |
| KAITLYN JENKINS3 | 213 BRUCE ST APT B SCOTIA, NY 12302 | AFLAC | $441 | — | $441 | 0.27% |
| DARRYL J YOUNG3 | 4522 SHADY PLACE COURT BOWLING GREEN, KY 42104 | AFLAC | $356 | — | $356 | 0.22% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $257 | — | $257 | 0.16% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $164 | — | $164 | 0.10% |
| GREGORY D GEMEREK3 | 25 CARRIAGE WAY BALLSTON SPA, NY 12020 | AFLAC | $155 | — | $155 | 0.10% |
| KAITLYN HERWIG3 | 83 LONERGAN DR SUFFERN, NY 10901 | AFLAC | $90 | $56 | $146 | 0.09% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $127 | — | $127 | 0.08% |
| CHERYL A ROTONDI3 | 352 USHERS ROAD BALLSTON LAKE, NY 12019 | AFLAC | $119 | — | $119 | 0.07% |
| KRISTA ANNE ROTONDI3 Filed as: KRISTA GRASSIA | 5 PINE WEST PLAZA STE 503 ALBANY, NY 12205 | AFLAC | $72 | — | $72 | 0.04% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $33 | $12 | $45 | 0.03% |
| PAMELA L BARRETT3 | 15 EVA STREET LATHAM, NY 12110 | AFLAC | $40 | — | $40 | 0.02% |
| CHRISTOPHER RUSSO3 | PO BOX 348 CLIFTON PARK, NY 12065 | AFLAC | $35 | — | $35 | 0.02% |
| ELIZABETH K LANE3 | 3 CORPORATE DRIVE STE 300 CLIFTON PARK, NY 12065 | AFLAC | $34 | — | $34 | 0.02% |
| DANIELLE M BRANCATO HOUSE3 Filed as: DANIELLE M BRANCATO | 347 USHERS ROAD BALLSTON LAKE, NY 12019 | AFLAC | $25 | — | $25 | 0.02% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LN OLDSMAR, FL 34677 | AFLAC | $25 | — | $25 | 0.02% |
| WLLLLAM S MATHIAS3 | PO BOX 83 NEW HARTFORD, NY 13413 | AFLAC | $22 | — | $22 | 0.01% |
| EDMUND METZOLD3 | 1166 VANCURLER AVE SCHENECTADY, NY 12308 | AFLAC | $22 | — | $22 | 0.01% |
| KELLY A IRVINE3 | 333 GLEN ST STE 201 GLENS FALLS, NY 12801 | AFLAC | $15 | — | $15 | 0.01% |
| NLLCHELLE NOLAN3 | — | AFLAC | $14 | — | $14 | 0.01% |
| DANIELLE M BRANCATO HOUSE3 Filed as: DANIELLE M BRANCATO-HOUSE | 4 CRESTMONT OR CLIFTON PARK, NY 12065 | AFLAC | $12 | — | $12 | 0.01% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES, INC | 18 CORPORATE WOODS BLVD LOUDONVILLE, NY 12211 | AFLAC | $10 | — | $10 | 0.01% |
| JANIS E BURL3 | 4003 CAMEO CT BOWIE, MD 20715 | AFLAC | $7 | — | $7 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 5002 SHORT HILLS, NJ 07078 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $13K | — | $13K | 8.34% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | GUARDIAN LIFE INSURANCE COMPANY | $15K | $6K | $21K | 21.92% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 8.07% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $47 | — | $47 | 0.16% |
| HMS AGENCY INC.3 | 454 SAND CREEK RD ALBANY, NY 12205 | TRANSAMERICA | $256 | — | $256 | 1.26% |
| CAPITAL LINK ASSOCIATES INC3 | 125 WOLF RD, STE 101 ALBANY, NY 12205 | TRANSAMERICA | $226 | — | $226 | 1.11% |
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 | 851 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 713 | $97K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 713 | $97K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,044 | $353K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 252 | $190K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,044 | $488K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,044 | $494K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,226 | — |
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.