| 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 | $110K | — | $110K | 3.50% |
| 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 | $4K | $7K | $11K | 7.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | AFLAC | $5K | — | $5K | 6.53% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34410 | AFLAC | $4K | $191 | $4K | 5.52% |
| STEPHEN MARK BAUSO3 | 16 CAYUGA ST AUBURN, NY 13021 | AFLAC | $2K | $47 | $2K | 2.72% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $2K | $102 | $2K | 2.52% |
| KRISTINE A ZABRISKIE3 | 11 CHARLES ST AUBURN, NY 13021 | AFLAC | $329 | $179 | $508 | 0.64% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $181 | $34 | $215 | 0.27% |
| JENNIFER DICK3 | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $135 | — | $135 | 0.17% |
| TIMOTHY SMITH3 | 11 LOCUST ST AUBURN, NY 13021 | AFLAC | $119 | — | $119 | 0.15% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $67 | — | $67 | 0.08% |
| BRIAN MCLAUCHLAN3 Filed as: BRIAN J MCLAUCHLAN | 8214 CICERO MILLS RD CICERO, NY 13039 | AFLAC | $63 | — | $63 | 0.08% |
| EDWARD D YATES JR3 | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $62 | — | $62 | 0.08% |
| REAGAN JAMES P AGENCY INC3 | PO BOX 131 8 E MAIN ST MARCELLUS, NY 13108 | AFLAC | $61 | — | $61 | 0.08% |
| ROGERS BENEFIT GROUP INC3 Filed as: LISA MARIE ROGERS | 208 BRAMBLEWOOD LN EAST AMHERST, NY 14051 | AFLAC | $49 | — | $49 | 0.06% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $47 | — | $47 | 0.06% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $37 | — | $37 | 0.05% |
| CHARLES L GRAY3 | 105 DAVENTRY LN STE 100 LOUISVILLE, KY 40223 | AFLAC | $33 | — | $33 | 0.04% |
| NICHOLAS J DELIA3 | 165 ARMSTRONG RD SYRACUSE, NY 13209 | AFLAC | $29 | — | $29 | 0.04% |
| JOSEPH L EAMES3 | 3520 NEW HARTFORD RD STE 200 OWENSBORO, KY 42303 | AFLAC | $28 | — | $28 | 0.04% |
| JESSICA E WAGNER3 | 1107 MT HOPE AVE ONEIDA, NY 13421 | AFLAC | $16 | — | $16 | 0.02% |
| WILLIAM B CHAMBERLAIN3 | 5863 FOWLER RD MEMPHIS, NY 13112 | AFLAC | $13 | — | $13 | 0.02% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $9 | — | $9 | 0.01% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $6 | — | $6 | 0.01% |
| PERRY L KANFER3 | 525 PLUM ST APT 506 SYRACUSE, NY 13204 | AFLAC | $4 | — | $4 | 0.01% |
| GERALD DE SOUZA3 Filed as: GERALD A DE SOUZA | 7375 SPRING MOUNTAIN DR EAST SYRACUSE, NY 13057 | AFLAC | $4 | — | $4 | 0.01% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID F VAN SLYKE3 | 215 BUMP DR SYRACUSE, NY 13209 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID GIBIDES3 | 2305 LIBERTY CT NORRISTOWN, PA 19403 | AFLAC | $1 | — | $1 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | 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 | $5K | — | $5K | 8.61% |
| 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 | — | $949 | $949 | 1.80% |
| 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 | $4K | — | $4K | 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 | — | $765 | $765 | 2.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM ST STE 200 SYRACUSE, NY 132041401 | EYEMED | $2K | — | $2K | 10.01% |
| 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 | $961 | — | $961 | 12.27% |
| 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 | — | $168 | $168 | 2.15% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 368 | $3.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $157K |
| Vision | EYEMED | 301 | $22K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 359 | $36K |
| Short-term disability | AFLAC | 59 | $79K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 323 | $53K |
| Prescription drug | MVP HEALTHCARE | 368 | $3.2M |
| Other(3 contracts, 2 carriers) | AFLAC | 359 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.