| 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 | $100K | — | $100K | 3.05% |
| 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 | $3K | $727 | $3K | 5.63% |
| 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 | $2K | — | $2K | 4.17% |
| 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 | 10.51% |
| 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 | $635 | $2K | 6.09% |
| 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 | $6K | $4K | $10K | 33.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM ST STE 200 SYRACUSE, NY 132041401 | EYEMED | $2K | — | $2K | 9.03% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $596 | $294 | $890 | 5.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | AFLAC | $625 | — | $625 | 4.09% |
| STEPHEN MARK BAUSO3 | 16 CAYUGA ST AUBURN, NY 13021 | AFLAC | $227 | $245 | $472 | 3.09% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $287 | $88 | $375 | 2.45% |
| TIMOTHY SMITH3 | 11 LOCUST ST AUBURN, NY 13021 | AFLAC | $37 | — | $37 | 0.24% |
| KRISTINE A ZABRISKIE3 | 11 CHARLES ST AUBURN, NY 13021 | AFLAC | $35 | — | $35 | 0.23% |
| JENNIFER DICK3 Filed as: JENNIFER M AYERS | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $31 | — | $31 | 0.20% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $22 | — | $22 | 0.14% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $16 | — | $16 | 0.10% |
| EDWARD D YATES JR3 | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $15 | — | $15 | 0.10% |
| REAGAN JAMES P AGENCY INC3 | PO BOX 131 MARCELLUS, NY 13108 | AFLAC | $15 | — | $15 | 0.10% |
| BRIAN MCLAUCHLAN3 Filed as: BRIAN J MCLAUCHLAN | 8214 CICERO MILLS RD CICERO, NY 13039 | AFLAC | $13 | — | $13 | 0.09% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $11 | — | $11 | 0.07% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $8 | — | $8 | 0.05% |
| CHARLES L GRAY3 | 3122 MARIAS DR FORT WAYNE, IN 46815 | AFLAC | $8 | — | $8 | 0.05% |
| JOSEPH L EAMES3 | 3520 NEW HARTFORD RD STE 200 OWENSBORO, KY 42303 | AFLAC | $7 | — | $7 | 0.05% |
| NICHOLAS J DELIA3 | 165 ARMSTRONG RD SYRACUSE, NY 13209 | AFLAC | $6 | — | $6 | 0.04% |
| JESSICA E WAGNER3 | 1107 MT HOPE AVE ONEIDA, NY 13421 | AFLAC | $4 | — | $4 | 0.03% |
| WILLIAM B CHAMBERLAIN3 | 5863 FOWLER RD MEMPHIS, NY 13112 | AFLAC | $3 | — | $3 | 0.02% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.01% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $1 | — | $1 | 0.01% |
| PERRY L KANFER3 | 525 PLUM ST APT 506 SYRACUSE, NY 13204 | AFLAC | $1 | — | $1 | 0.01% |
| GERALD DE SOUZA3 Filed as: GERALD A DE SOUZA | 7375 SPRING MOUNTAIN DR EAST SYRACUSE, NY 13057 | AFLAC | $1 | — | $1 | 0.01% |
| 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 | $818 | — | $818 | 9.09% |
| 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 | $296 | $126 | $422 | 4.69% |
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 | 375 | 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) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 354 | $3.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 239 | $30K |
| Vision | EYEMED | 0 | $22K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 375 | $49K |
| Short-term disability | AFLAC | 55 | $15K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 376 | $58K |
| Prescription drug | MVP HEALTHCARE | 354 | $3.3M |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 375 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.