| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | MVP HEALTHCARE | $116K | — | $116K | 3.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $10K | $15K | 7.84% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13201 | AFLAC | $9K | $794 | $10K | 10.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | AFLAC | $7K | — | $7K | 7.36% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $3K | $185 | $3K | 3.21% |
| CHRISTOPHER W PARDEE3 | 5203 HAMILTON RD ELBRIDGE, NY 13060 | AFLAC | $1K | $113 | $1K | 1.27% |
| JENNIFER DICK3 | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $235 | — | $235 | 0.26% |
| ROGERS BENEFIT GROUP INC3 Filed as: LISA MARIE ROGERS | 208 BRAMBLEWOOD LN EAST AMHERST, NY 14051 | AFLAC | $232 | $3 | $235 | 0.26% |
| STEPHEN MARK BAUSO3 | 16 CAYUGA ST AUBURN, NY 13021 | AFLAC | $151 | — | $151 | 0.17% |
| KRISTINE A ZABRISKIE3 | 11 CHARLES ST AUBURN, NY 13021 | AFLAC | $131 | — | $131 | 0.14% |
| NICHOLAS J DELIA3 | 165 ARMSTRONG RD SYRACUSE, NY 13209 | AFLAC | $96 | — | $96 | 0.11% |
| EDWARD D YATES JR3 | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $91 | — | $91 | 0.10% |
| REAGAN JAMES P AGENCY INC3 | PO BOX 131 8 E MAIN ST MARCELLUS, NY 13108 | AFLAC | $81 | — | $81 | 0.09% |
| CHARLA MICHELLE ACKERMAN3 | 306 DRAPER AVE SYRACUSE, NY 13219 | AFLAC | $74 | — | $74 | 0.08% |
| BRIAN MCLAUCHLAN3 Filed as: BRIAN J MCLAUCHLAN | 8214 CICERO MILLS RD CICERO, NY 13039 | AFLAC | $70 | — | $70 | 0.08% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $64 | — | $64 | 0.07% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $63 | — | $63 | 0.07% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $47 | — | $47 | 0.05% |
| CHARLES L GRAY3 | 105 DAVENTRY LN STE 100 LOUISVILLE, KY 40223 | AFLAC | $38 | — | $38 | 0.04% |
| JOSEPH L EAMES3 | 3520 NEW HARTFORD RD STE 200 OWENSBORO, KY 42303 | AFLAC | $31 | — | $31 | 0.03% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $22 | — | $22 | 0.02% |
| DAVID F VAN SLYKE3 | 215 BUMP DR SYRACUSE, NY 13209 | AFLAC | $22 | — | $22 | 0.02% |
| JESSICA E WAGNER3 | 1107 MT HOPE AVE ONEIDA, NY 13421 | AFLAC | $19 | — | $19 | 0.02% |
| SUZANNE GOULD3 | 2741 SAND BEACH RD AUBURN, NC 13021 | AFLAC | $19 | — | $19 | 0.02% |
| WILLIAM B CHAMBERLAIN3 | 5863 FOWLER RD MEMPHIS, NY 13112 | AFLAC | $14 | — | $14 | 0.02% |
| GIBIDES INC3 | PO BOX 331 ROYERSFORD, PA 19468 | AFLAC | $14 | — | $14 | 0.02% |
| JOHN T SHELDON3 | 206 LAWRENCE AVE #2 SYRACUSE, NC 13212 | AFLAC | $11 | — | $11 | 0.01% |
| ANTHONY M TESORIO SR3 | 535 CLUB SIDE DR NAPLES, FL 34110 | AFLAC | $10 | — | $10 | 0.01% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $8 | — | $8 | 0.01% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $5 | — | $5 | 0.01% |
| PERRY L KANFER3 | 525 PLUM ST APT 506 SYRACUSE, NY 13204 | AFLAC | $4 | — | $4 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $4 | — | $4 | 0.00% |
| GERALD DE SOUZA3 Filed as: GERALD A DE SOUZA | 7375 SPRING MOUNTAIN DR EAST SYRACUSE, NY 13057 | AFLAC | $4 | — | $4 | 0.00% |
| ELIZABETH A SPINNER3 | 7903 N GRAYCOAT CT SPOKANE, WA 99208 | AFLAC | $3 | — | $3 | 0.00% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NC 14534 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN MURPHY3 | 11 WILLOBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 3.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $8K | — | $8K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 146042219 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 4.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM ST STE 200 SYRACUSE, NY 132041401 | EYEMED | $3K | — | $3K | 14.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 11.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 146042219 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $479 | $479 | 3.76% |
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 | 634 | 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) | 634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 301 | $2.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $190K |
| Vision | EYEMED | 297 | $23K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 566 | $64K |
| Short-term disability | AFLAC | 91 | $91K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 567 | $67K |
| Prescription drug | MVP HEALTHCARE | 301 | $2.9M |
| Other(3 contracts, 2 carriers) | AFLAC | 566 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.