| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES P. REAGAN AGENCY, INC.3 Filed as: JAMES P REAGAN AGENCY | 8 E MAIN STREET P.O. BOX 191 MARCELLUS, NY 13108 | EXCELLUS BLUE CROSS BLUE SHIELD | $81K | — | $81K | 5.37% |
| VANGUARD II INC3 Filed as: VANGUARD RISK MANAGERS INC. | P.O. BOX 191 MARCELLUS, NY 13108 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 20.15% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $103 | — | $103 | 1.49% |
| EDWARD D YATES JR3 Filed as: EDWARD D YATES JR. | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $94 | — | $94 | 1.36% |
| ANTHONY M TESORIO SR3 Filed as: ANTHONY M TESORIO SR. | 535 CLUB SIDE DRIVE NAPLES, FL 34110 | AFLAC | $72 | — | $72 | 1.04% |
| JOSEPH P CALARCO3 | P.O. BOX 130 63 GENESEE STREET, SUITE 2 AUBURN, NY 13021 | AFLAC | $50 | — | $50 | 0.72% |
| KENNETH M TRAWICK3 Filed as: KENNETH M. TRAWICK | 3988 US ROUTE 11 PULASKI, NY 13142 | AFLAC | $49 | — | $49 | 0.71% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES INC. | 19 BRITISH AMERICAN BOULEVARD LATHAM, NY 12110 | AFLAC | $35 | — | $35 | 0.51% |
| VALERIE A. TESORIO3 Filed as: VALERIE A TESORIO | 535 CLUB SIDE DRIVE NAPLES, FL 34110 | AFLAC | $30 | — | $30 | 0.43% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVENUE BINGHAMTON, NY 13903 | AFLAC | $27 | — | $27 | 0.39% |
| LAURIE M. CARTER3 Filed as: LAURIE M CARTER | P.O. BOX 2 ADAMS, NY 13605 | AFLAC | $22 | — | $22 | 0.32% |
| SHEILA ANN WILSON3 Filed as: SHEILA A WILSON | 36 SHARYL DRIVE CENTRAL SQUARE, NY 13036 | AFLAC | $17 | — | $17 | 0.25% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $14 | — | $14 | 0.20% |
| RUSSELL T BARRETT3 | 665 SARATOGA ROAD APT. 130 GANSEVOORT, NY 12831 | AFLAC | $10 | — | $10 | 0.14% |
| KENNETH M TRAWICK3 Filed as: KENNETH M. TRAWICK | 85 HINMAN ROAD PULASKI, NY 13142 | AFLAC | $10 | — | $10 | 0.14% |
| JOSEPH P CALARCO3 | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $8 | — | $8 | 0.12% |
| JOHN B INFERRERA3 | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $4 | — | $4 | 0.06% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK COURT CLIFTON PARK, NY 12065 | AFLAC | $4 | — | $4 | 0.06% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MEYERS, FL 33908 | AFLAC | $4 | — | $4 | 0.06% |
| SUZANNE GOULD3 | 2741 SAND BEACH ROAD AUBURN, NY 13021 | AFLAC | $4 | — | $4 | 0.06% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DRIVE ESTERO, FL 33928 | AFLAC | $3 | — | $3 | 0.04% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $2 | — | $2 | 0.03% |
| DUCK & COVER NY INC3 Filed as: DUCK & COVER NY INC. | 17 DALAMAR COURT LATHAM, NY 12110 | AFLAC | $1 | — | $1 | 0.01% |
| ANDREW THOMAS3 | 101 OLD COVE ROAD SUITE 114 LIVERPOOL, NY 13090 | AFLAC | $287 | — | $287 | 5.14% |
| ALLAN M. BRYANT3 Filed as: ALLAN BRYANT | 36 BRONK DRIVE QUEENSBURY, NY 12804 | AFLAC | $163 | — | $163 | 2.92% |
| LAURA BOHANNON3 | 23 S MARVINE AVENUE AUBURN, NY 13021 | AFLAC | $66 | — | $66 | 1.18% |
| JOSEPH P CALARCO3 | P.O. BOX 130 63 GENESEE STREET, SUITE 2 AUBURN, NY 13021 | AFLAC | $62 | — | $62 | 1.11% |
| JAMES P. REAGAN AGENCY, INC.3 Filed as: JAMES P REAGAN AGENCY INC. | 8 E MAIN STREET P.O. BOX 131 MARCELLUS, NY 13108 | AFLAC | $59 | — | $59 | 1.06% |
| ANTHONY M TESORIO SR3 Filed as: ANTHONY M TESORIO SR. | 535 CLUB SIDE DRIVE NAPLES, FL 34110 | AFLAC | $54 | — | $54 | 0.97% |
| JACQUELYN WILLIAMS3 | 684 TAYLOR HILL ROAD GRANVILLE, NY 12832 | AFLAC | $41 | — | $41 | 0.73% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $36 | — | $36 | 0.64% |
| JOSEPH P CALARCO3 | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $25 | — | $25 | 0.45% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $24 | — | $24 | 0.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | AFLAC | $13 | — | $13 | 0.23% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES INC. | 19 BRITISH AMERICAN BOULEVARD LATHAM, NY 12110 | AFLAC | $12 | — | $12 | 0.21% |
| SUZANNE GOULD3 | 2741 SAND BEACH ROAD AUBURN, NY 13021 | AFLAC | $12 | — | $12 | 0.21% |
| ROBERT JOSEPH NEALON JR3 Filed as: ROBERT JOSEPH NEALON JR. | 66 CRESTMONT ROAD BINGHAMTON, NY 13905 | AFLAC | $6 | — | $6 | 0.11% |
| LISA MASON3 | 241 RIDGE STREET SUITE 303 GLENS FALLS, NY 12801 | AFLAC | $5 | — | $5 | 0.09% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $3 | — | $3 | 0.05% |
| ROGERS BENEFIT GROUP INC3 Filed as: SCOTT W. ROGERS | 56 AUTUMN LANE QUEENSBURY, NY 12804 | AFLAC | $2 | — | $2 | 0.04% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 665 SARATOGA ROAD APT. 130 GANSEVOORT, NY 12831 | AFLAC | $2 | — | $2 | 0.04% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DRIVE ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.02% |
| SUSAN C BRIMHALL3 | P.O. BOX 336 SMITHS STATION, AL 36877 | AFLAC | $1 | — | $1 | 0.02% |
| JOHN B INFERRERA3 | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $1 | — | $1 | 0.02% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK COURT CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.02% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS ROAD PORT SAINT JOE, FL 32456 | AFLAC | $1 | — | $1 | 0.02% |
| CHERYL A ROTONDI3 | 352 USHERS ROAD BALLSTON LAKE, NY 12019 | AFLAC | $1 | — | $1 | 0.02% |
| LYNN B. POTWIN3 Filed as: LYNN B POTWIN | 338 QUECHEE WEST HTFD ROAD WHITE RIVER JUNCTION, VT 05001 | AFLAC | $19 | — | $19 | 2.25% |
| JOSEPH P CALARCO3 | P.O. BOX 130 63 GENESEE STREET, SUITE 2 AUBURN, NY 13021 | AFLAC | $19 | — | $19 | 2.25% |
| LAWRENCE R. POTWIN3 Filed as: LAWRENCE R POTWIN | 338 QUECHEE WEST HTFD ROAD WHITE RIVER JUNCTION, VT 05001 | AFLAC | $9 | — | $9 | 1.07% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $5 | — | $5 | 0.59% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BOULEVARD W LATHAM, NY 12110 | AFLAC | $4 | — | $4 | 0.47% |
| JOSEPH P CALARCO3 | 63 GENESEE STREET SUITE 2 P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $2 | — | $2 | 0.24% |
| KENNETH J HANNAN3 Filed as: KENNETH JAMES HANNAN | 5 FRIAR TUCK COURT CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.12% |
| RUSSELL T BARRETT3 Filed as: RUSSELL T BARETT | 665 SARATOGA ROAD APT. 130 GANSEVOORT, NY 12831 | AFLAC | $1 | — | $1 | 0.12% |
| JOSEPH P CALARCO3 | 63 GENESEE STREET, SUITE 2 P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $1 | — | $1 | 0.12% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 127 | $1.5M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $71K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $71K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 127 | $1.5M |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.