| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | — | MVP HEALTH SERVICES CORP | $67K | — | $67K | 4.04% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS - EMPIRE | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | — | $6K | 6.32% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 7789 OSWEGO RD LIVERPOOL, NY 13090 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.01% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | — | $687 | $687 | 0.97% |
| SOLVAY BANK INSURANCE AGENCY INC3 | PO BOX 19050 SYRACUSE, NY 13209 | AFLAC | $661 | — | $661 | 5.38% |
| STEPHEN MARK BAUSO3 | 16 CAYUGA ST AUBURN, NY 13021 | AFLAC | $363 | — | $363 | 2.96% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $279 | — | $279 | 2.27% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $218 | — | $218 | 1.78% |
| MARK P FLURSCHUTZ3 | 13 HURD CIR AUBURN, NY 13021 | AFLAC | $145 | — | $145 | 1.18% |
| NICHOLAS CALARCO3 | 120 E WASHINGTON ST STE 822 SYRACUSE, NY 13202 | AFLAC | $138 | — | $138 | 1.12% |
| DEBRA M PARKER3 | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $84 | — | $84 | 0.68% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $80 | — | $80 | 0.65% |
| BRIAN MCLAUCHLAN3 Filed as: BRIAN J MCLAUCHLAN | 8214 CICERO MILLS RD CICERO, NY 13039 | AFLAC | $49 | — | $49 | 0.40% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $31 | — | $31 | 0.25% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | AFLAC | $29 | — | $29 | 0.24% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $4 | — | $4 | 0.03% |
| DAVID GIBIDES3 | 2305 LIBERTY CT NORRISTOWN, PA 19403 | AFLAC | $3 | — | $3 | 0.02% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $3 | — | $3 | 0.02% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $3 | — | $3 | 0.02% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $2 | — | $2 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NY INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | STANDARD LIFE INS CO OF NY | $902 | — | $902 | 7.84% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD LIFE INS CO OF NY | $124 | — | $124 | 1.08% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH SERVICES CORP | 95 | $1.7M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 108 | $101K |
| Vision | STANDARD LIFE INS CO OF NY | 77 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 208 | $71K |
| Prescription drug | MVP HEALTH SERVICES CORP | 95 | $1.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 208 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.