| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 SHEILD | $60K | $0 | $60K | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BOULEVARD SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUE CROSS BLUE SHEILD | $23K | $0 | $23K | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $9K | $0 | $9K | 9.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30 CENTURY HILL, SUITE 200 LATHAM, NY 12110 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 4.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 1.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERVICES | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | MVP HEALTHCARE | $613 | $0 | $613 | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BOULEVARD SUITE 100 ROCHESTER, NY 14618 | MVP HEALTHCARE | $438 | $0 | $438 | 1.08% |
| LAURA ANNE CALARCO3 Filed as: LAURA ANNE CALCARCO | 340 HORSE CREEK DRIVE, SUITE 208 NAPLES, FL 34110 | AFLAC | $1K | $35 | $1K | 3.87% |
| 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 | $1K | $0 | $1K | 2.90% |
| MARYKAYE HOLDEN3 | 12 HERON WAY NORTH FAIRPORT, NY 14450 | AFLAC | $971 | $0 | $971 | 2.77% |
| MJ INSURANCE3 Filed as: DEBRA M. PARKER AND VARIOUS AGENTS | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $691 | $0 | $691 | 1.97% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $410 | $8 | $418 | 1.19% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY AND CREW, INC. | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $261 | $0 | $261 | 0.75% |
| NICHOLAS CALARCO3 | 120 EAST WASHINGTON STREET SUITE 822 SYRACUSE, NY 13202 | AFLAC | $249 | $0 | $249 | 0.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $985 | $742 | $2K | 10.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $500 | $59 | $559 | 3.39% |
| HOWARD J. ELIAS, INC.3 | UNKNOWN GENEVA, NY 14456 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | $0 | $5 | 0.03% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHEILD | 147 | $2.3M |
| Dental | EXCELLUS BLUE CROSS BLUE SHEILD | 147 | $2.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $16K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 199 | $95K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 199 | $95K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHEILD | 147 | $2.3M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 250 | $134K |
| 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."
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.