| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | $55K | — | $55K | 1.90% |
| CROWN RISK MANAGEMENT, LLC3 | 432 N FRANKLIN ST SUITE 20 SYRACUSE, NY 132041560 | EXCELLUS BLUECROSS BLUESHIELD | $42K | — | $42K | 1.44% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 3.31% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 NORTH FRANKLIN ST STE 20 SYRACUSE, NY 13204 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $2K | $5K | 3.23% |
| ANDREW THOMAS3 | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $1K | $119 | $2K | 4.99% |
| JENNIFER DICK3 | 891 BABCOCK LAKE ROAD PETERSBURG, NY 12138 | AFLAC | $1K | — | $1K | 3.34% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 N FRANKLIN ST STE 20 SYRACUSE, NY 13204 | AFLAC | $838 | — | $838 | 2.69% |
| JOSEPH P CALARCO3 | PO BOX 130 63 GENESEE ST, STE 2 AUBURN, NY 13021 | AFLAC | $348 | $24 | $372 | 1.19% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $235 | $24 | $259 | 0.83% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $249 | — | $249 | 0.80% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $159 | — | $159 | 0.51% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $102 | — | $102 | 0.33% |
| ALISHA K ROBINSON3 | PO BOX 272 OLD FORGE, NY 13420 | AFLAC | $48 | — | $48 | 0.15% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $34 | — | $34 | 0.11% |
| CYNTHIA BENNETT3 | PO BOX 277 ILION, NY 13357 | AFLAC | $33 | — | $33 | 0.11% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $26 | — | $26 | 0.08% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $17 | — | $17 | 0.05% |
| JUSTIN M. BYMASTER3 Filed as: JUSTIN M BYMASTER | 6766 WOLCOTT ST RED CREEK, NY 13143 | AFLAC | $10 | — | $10 | 0.03% |
| SHAWN DALY3 | 2287 CENTER ROAD SCIPIO CENTER, NY 13147 | AFLAC | $10 | — | $10 | 0.03% |
| STEPHEN R CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $8 | — | $8 | 0.03% |
| EDWARD D YATES JR3 | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $4 | — | $4 | 0.01% |
| NICHOLAS CALARCO3 | 30 GRANT ST AUBURN, NY 13021 | AFLAC | $3 | — | $3 | 0.01% |
| ONEGROUP NY INC3 Filed as: ONEGROUP (ONEIDA WEALTH) | 706 N CLINTON ST SYRACUSE, NY 13204 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 5.90% |
| PFC INS. SERVICES OF THE WEST, LLC3 | 6200 CANOGA AVENUE #325 WOODLAND HILLS, CA 91367 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $658 | — | $658 | 2.39% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS. SERVICES OF THE WEST, LLC | 6200 N. CANOGA AVENUE #325 WOODLAND HILLS, CA 91367 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $467 | — | $467 | 1.69% |
| VALERIE J CLARK3 | 5470 RENO CORPORATE DRIVE RENO, NV 89511 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $441 | — | $441 | 1.60% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 NORTH FRANKLIN STREET SYRACUSE, NY 13202 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 9.48% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $447 | — | $447 | 1.88% |
| SCOTT B MESCON3 | 9605 DUNDERRY HEIGHTS BALDWINSVILLE, NY 13027 | FIRST UNUM LIFE INSURANCE COMPANY | $129 | — | $129 | 0.54% |
| NORMAN CAFFREY3 | 6053 JERUSALEM DR CICERO, NY 13039 | FIRST UNUM LIFE INSURANCE COMPANY | $129 | — | $129 | 0.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $128 | — | $128 | 0.54% |
| JOHANNA R GRIFFIN3 | 341 WOODFORD DR MILLBROOK, AL 36054 | AFLAC | $489 | $71 | $560 | 2.61% |
| MISSY A ARENHOLZ3 | 403 W PROSPECT ST BOX 712 SHELL ROCK, IA 50670 | AFLAC | $393 | — | $393 | 1.83% |
| ANDREW THOMAS3 Filed as: ANDREW C THOMAS | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $283 | — | $283 | 1.32% |
| CORY D NELSON3 | 215 HIGHWAY 965 NE STE 3 NORTH LIBERTY, IA 52317 | AFLAC | $266 | — | $266 | 1.24% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $206 | $18 | $224 | 1.04% |
| JENNIFER DICK3 Filed as: JENNIFER M DICK | 891 BABCOCK LAKE ROAD PETERSBURG, NY 12138 | AFLAC | $165 | — | $165 | 0.77% |
| KEITH BELICH3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $112 | $18 | $130 | 0.61% |
| JOHN J MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $90 | — | $90 | 0.42% |
| JOSEPH P CALARCO3 | PO BOX 130 63 GENESEE ST, STE 2 AUBURN, NY 13021 | AFLAC | $76 | — | $76 | 0.35% |
| TAMMY HALLMAN STARNES3 | 1062 E POPLAR ST PRATTVILLE, AL 36066 | AFLAC | $59 | $11 | $70 | 0.33% |
| TYSON J BURTON3 | 200 STATE ST STE 202Y CEDAR FALLS, IA 50613 | AFLAC | $69 | — | $69 | 0.32% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $63 | — | $63 | 0.29% |
| KEVIN CURTIS3 | 401 RYLAND ST STE 402 RENO, NV 89502 | AFLAC | $52 | — | $52 | 0.24% |
| THE TODD GROUP3 | 602 MAIN ST STE 200 CEDAR FALLS, IA 50613 | AFLAC | $50 | — | $50 | 0.23% |
| MARC W WHITE3 | 2601 COVEY CT CEDAR FALLS, IA 50613 | AFLAC | $41 | — | $41 | 0.19% |
| THE TODD GROUP3 | 100 E 2ND ST UNIT 205 CEDAR FALLS, IA 50613 | AFLAC | $41 | — | $41 | 0.19% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $40 | — | $40 | 0.19% |
| JENNIFER E MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $32 | — | $32 | 0.15% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $31 | — | $31 | 0.14% |
| STEVEN G JOHNSON3 | 35989 HIGHWAY 69 STE C FOREST CITY, IA 50436 | AFLAC | $21 | — | $21 | 0.10% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $14 | — | $14 | 0.07% |
| TERRELL & COMPANY INC3 | 5530 WEST PKWY STE 100 JOHNSTON, IA 50131 | AFLAC | $7 | — | $7 | 0.03% |
| KACY A GRUENKEMEYER3 | 543 ALSTON DR CHATTANOOGA, TN 37419 | AFLAC | $6 | — | $6 | 0.03% |
| ERIC JASON WILLIAMS3 | 808 E 18TH ST CEDAR FALLS, IA 50613 | AFLAC | $6 | — | $6 | 0.03% |
| SCOTT R FRITCHER3 | 3511 131ST ST URBANDALE, IA 50323 | AFLAC | $6 | — | $6 | 0.03% |
| TERRELL & COMPANY INC3 | 4401 WESTOWN PKWY STE 350 WEST DES MOINES, IA 50266 | AFLAC | $6 | — | $6 | 0.03% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $5 | — | $5 | 0.02% |
| ERIC JASON WILLIAMS3 | 2907 DALLAS DR CEDAR FALLS, IA 50613 | AFLAC | $5 | — | $5 | 0.02% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 305 10TH ST STE 17 SACRAMENTO, CA 95814 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $4 | — | $4 | 0.02% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $4 | — | $4 | 0.02% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $4 | — | $4 | 0.02% |
| LORA CARNES3 | 300 E 2ND ST STE 1320 RENO, NV 89501 | AFLAC | $4 | — | $4 | 0.02% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $3 | — | $3 | 0.01% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $0 | — | $0 | 0.00% |
| HEATHER D SWANSON3 | 4517 49TH PL DES MOINES, IA 50310 | AFLAC | $0 | — | $0 | 0.00% |
| MICHAEL D CRONIN3 | 432 N FRANKLIN ST STE 20 SYRACUSE, NY 13204 | AFLAC | $0 | — | $0 | 0.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 N FRANKLIN ST SUITE 20 SYRACUSE, NY 132041560 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $422 | — | $422 | 5.02% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 N FRANKLIN ST SUITE 20 SYRACUSE, NY 132041560 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $750 | $412 | $1K | 15.49% |
| ALLIANCE ADVISORY GRP INC3 | 600 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 0.75% |
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 | 382 | 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) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 260 | $2.9M |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 261 | $148K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 355 | $28K |
| Short-term disability(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 83 | $40K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 260 | $2.9M |
| Other(3 contracts, 2 carriers) | AFLAC | 65 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.