| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN D. PHELPS3 | PO BOX 335 CAPE VINCENT, NY 13618 | AFLAC | $8K | $85 | $8K | 8.60% |
| KENNETH M. TRAWICK3 | 85 HINMAN ROAD PULASKI, NY 13142 | AFLAC | $3K | $0 | $3K | 3.01% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC AND OTHER AGENTS | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | AFLAC | $2K | $0 | $2K | 2.32% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $2K | $15 | $2K | 2.11% |
| EDWARD D YATES JR3 Filed as: EDWARD D. YATES, JR. | 2063 COUNTY ROAD 8 OSWEGO, NY 13126 | AFLAC | $702 | $0 | $702 | 0.72% |
| TIMOTHY SMITH3 | 11 LOCUST STREET AUBURN, NY 13021 | AFLAC | $621 | $0 | $621 | 0.64% |
| STEVEN C ELLIOTT3 Filed as: STEVEN C. ELLIOTT | 800 STARBUCK AVENUE BUILDING C, SUITE 105 WATERTOWN, NY 13601 | AFLAC | $410 | $0 | $410 | 0.42% |
| BRIAN D. PHELPS3 | PO BOX 335 CAPE VINCENT, NY 13618 | AFLAC | $3K | $0 | $3K | 29.31% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $457 | $0 | $457 | 4.19% |
| KENNETH M. TRAWICK3 | 85 HINMAN ROAD PULASKI, NY 13142 | AFLAC | $92 | $0 | $92 | 0.84% |
| NICHOLAS CALARCO3 | 120 EAST WASHINGTON STREET SUITE 822 SYRACUSE, NY 13202 | AFLAC | $48 | $0 | $48 | 0.44% |
| JEFFREY S. EVELETH AND OTHER AGENTS3 | 11676 KENNEDY MIER ROAD WESTDALE, NY 13483 | AFLAC | $33 | $0 | $33 | 0.30% |
| ONEGROUP NY INC3 | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | AFLAC | $27 | $0 | $27 | 0.25% |
| TIMOTHY SMITH3 | 11 LOCUST STREET AUBURN, NY 13021 | AFLAC | $21 | $0 | $21 | 0.19% |
| KENNETH M. TRAWICK3 | 85 HINMAN ROAD PULASKI, NY 13142 | AFLAC | $236 | $0 | $236 | 4.82% |
| BRIAN D. PHELPS3 | PO BOX 335 CAPE VINCENT, NY 13618 | AFLAC | $105 | $0 | $105 | 2.14% |
| TIMOTHY SMITH3 | 11 LOCUST STREET AUBURN, NY 13021 | AFLAC | $86 | $0 | $86 | 1.76% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $81 | $0 | $81 | 1.65% |
| JAMI DELUCA3 | 213 BREEN AVENUE WATERTOWN, NY 13601 | AFLAC | $43 | $0 | $43 | 0.88% |
| JEFFREY S. EVELETH3 | 11676 KENNEDY MIER ROAD WESTDALE, NY 13483 | AFLAC | $27 | $0 | $27 | 0.55% |
| EDWARD YATES JR AND OTHER AGENTS3 | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $22 | $0 | $22 | 0.45% |
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 | 48 | 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) | 48 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(3 contracts) | AFLAC | 99 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.