| 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 | $51K | — | $51K | 3.67% |
| 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 | $6K | — | $6K | 6.42% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 7789 OSWEGO RD LIVERPOOL, NY 13090 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 45 EAST AVENUE ROCHESTER, NY 14604 | STANDARD OF NEW YORK | $1K | — | $1K | 8.38% |
| SOLVAY BANK INSURANCE AGENCY INC3 | PO BOX 19050 SYRACUSE, NY 13209 | AFLAC | $571 | — | $571 | 4.85% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $435 | $27 | $462 | 3.92% |
| STEPHEN MARK BAUSO3 | 16 CAYUGA ST AUBURN, NY 13021 | AFLAC | $328 | — | $328 | 2.78% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $292 | $9 | $301 | 2.55% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $178 | $3 | $181 | 1.54% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $145 | $6 | $151 | 1.28% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $89 | — | $89 | 0.76% |
| BRIAN MCLAUCHLAN3 Filed as: BRIAN J MCLAUCHLAN | 8214 CICERO MILLS RD CICERO, NY 13039 | AFLAC | $47 | — | $47 | 0.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | AFLAC | $44 | — | $44 | 0.37% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $31 | — | $31 | 0.26% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $4 | — | $4 | 0.03% |
| DAVID GIBIDES3 | 2305 LIBERTY CT NORRISTOWN, PA 19403 | AFLAC | $4 | — | $4 | 0.03% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $3 | — | $3 | 0.03% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $3 | — | $3 | 0.03% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $2 | — | $2 | 0.02% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $2 | — | $2 | 0.02% |
| ELIZABETH A SPINNER3 | 7903 N GRAYCOAT CT SPOKANE, WA 99208 | AFLAC | $1 | — | $1 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.01% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 93 | $1.4M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 115 | $96K |
| Vision | STANDARD OF NEW YORK | 81 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 203 | $63K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 93 | $1.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 203 | $74K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.