| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $54K | — | $54K | 4.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $7K | — | $7K | 7.32% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $720 | $50 | $770 | 6.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | AFLAC | $317 | — | $317 | 2.69% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $305 | $12 | $317 | 2.69% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $276 | $12 | $288 | 2.44% |
| SOLVAY BANK INSURANCE AGENCY INC3 | PO BOX 1950 SYRACUSE, NY 13209 | AFLAC | $229 | — | $229 | 1.94% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $124 | — | $124 | 1.05% |
| BRIAN MCLAUCHLAN3 Filed as: BRIAN J MCLAUCHLAN | 8214 CICERO MILLS RD CICERO, NY 13039 | AFLAC | $57 | — | $57 | 0.48% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $41 | — | $41 | 0.35% |
| TIMOTHY SMITH3 | 7 CAMERON ST AUBURN, NY 13021 | AFLAC | $11 | — | $11 | 0.09% |
| WILLIAM S MATHIAS3 | PO BOX 83 NEW HARTFORD, NY 13413 | AFLAC | $10 | — | $10 | 0.08% |
| GIBIDES INC3 | PO BOX 331 ROYERSFORD, PA 19468 | AFLAC | $9 | — | $9 | 0.08% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $7 | — | $7 | 0.06% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $6 | — | $6 | 0.05% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $6 | — | $6 | 0.05% |
| DAVID F VAN SLYKE3 | 215 BUMP DR SYRACUSE, NY 13209 | AFLAC | $5 | — | $5 | 0.04% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $4 | — | $4 | 0.03% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $4 | — | $4 | 0.03% |
| ELIZABETH A SPINNER3 | 7903 N GRAYCOAT CT SPOKANE, WA 99208 | AFLAC | $3 | — | $3 | 0.03% |
| BANC INSURANCE AGENCY INC3 | 1 HARTSFIELD BLVD STE 301 EAST WINDSOR, CT 06088 | AFLAC | $3 | — | $3 | 0.03% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $3 | — | $3 | 0.03% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $2 | — | $2 | 0.02% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $1 | — | $1 | 0.01% |
| CHESTERFIELD INSURANCE AGENCY INC3 | 3520 FOREST LAKE DR UNIONTOWN, OH 44685 | AFLAC | $1 | — | $1 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $741 | — | $741 | 8.04% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 98 | $1.3M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 122 | $95K |
| Vision | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 77 | $9K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 98 | $1.3M |
| Other | AFLAC | 19 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.