| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BOULEVARD SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUE CROSS BLUE SHIELD | $85K | $0 | $85K | 3.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $14 | $0 | $14 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30 CENTURY HILL, SUITE 200 LATHAM, NY 12110 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $18K | $0 | $18K | 13.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BOULEVARD SUITE 100 ROCHESTER, NY 14618 | MVP HEALTHCARE | $1K | $0 | $1K | 2.59% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DRIVE, SUITE 208 NAPLES, FL 34110 | AFLAC | $1K | $90 | $1K | 4.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $1K | $0 | $1K | 3.40% |
| MJ INSURANCE3 Filed as: BRENDAN MCCARTHY AND VARIOUS AGENTS | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $947 | $21 | $968 | 3.17% |
| MARYKAYE HOLDEN3 | 12 HERON WAY NORTH FAIRPORT, NY 14450 | AFLAC | $803 | $0 | $803 | 2.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | AFLAC | $543 | $0 | $543 | 1.78% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $346 | $21 | $367 | 1.20% |
| STEPHEN MARK BAUSO3 | 16 CAYUGA STREET AUBRUN, NY 13021 | AFLAC | $247 | — | $247 | 0.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $520 | $2K | 11.87% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 150 | $2.5M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 150 | $2.5M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $18K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 211 | $127K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 211 | $127K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 211 | $127K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 150 | $2.5M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 250 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.