| 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 | $70K | — | $70K | 3.84% |
| VANGUARD II INC3 Filed as: VANGUARD RISK MANAGERS INC. | P. O. BOX 191 MARCELLUS, NY 13108 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 15.75% |
| ANDREW THOMAS3 Filed as: ANDREW W. THOMAS | 4802 BURRSTONE ROAD SYRACUSE, NY 13215 | AFLAC | $400 | $52 | $452 | 6.74% |
| ALLAN M. BRYANT3 | 36 BRONK DRIVE QUEENSBURY, NY 12804 | AFLAC | $244 | — | $244 | 3.64% |
| JACQUELYN WILLIAMS3 | 684 TAYLOR HILL ROAD GRANVILLE, NY 12382 | AFLAC | $166 | $16 | $182 | 2.71% |
| LAURA BOHANNON3 | 23 S MARVINE AVENUE AUBURN, NY 13021 | AFLAC | $113 | $10 | $123 | 1.83% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $101 | $16 | $117 | 1.74% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $95 | $10 | $105 | 1.56% |
| ANTHONY M TESORIO SR3 Filed as: ANTHONY M. TESORIO | 535 CLUB SIDE DRIVE NAPLES, FL 34110 | AFLAC | $51 | — | $51 | 0.76% |
| STEVEN E DALABA3 Filed as: STEVEN E. DALABA | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $34 | — | $34 | 0.51% |
| REAGAN JAMES P AGENCY INC3 Filed as: REAGAN JAMES P. AGENCY INC. | P.O. BOX 131 8 E MAIN STREET MARCELLUS, NY 13108 | AFLAC | $26 | — | $26 | 0.39% |
| LISA MASON3 | 39 HAVILAND AVENUE GLENS FALLS, NY 12801 | AFLAC | $20 | — | $20 | 0.30% |
| KELLY A IRVINE3 Filed as: KELLY A. IRVINE | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $14 | — | $14 | 0.21% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES INC. | 19 BRITISH AMERICAN BOULEVARD LATHAM, NY 12110 | AFLAC | $12 | — | $12 | 0.18% |
| SUZANNE GOULD3 | 2741 SAND BEACH ROAD AUBURN, NY 13021 | AFLAC | $11 | — | $11 | 0.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | AFLAC | $10 | — | $10 | 0.15% |
| SCOTT W. RODGERS3 | 56 AUTUMN LANE QUEENSBURY, NY 12804 | AFLAC | $9 | — | $9 | 0.13% |
| SUSAN C BRIMHALL3 Filed as: SUSAN C. BRIMHALL | P.O. BOX 336 SMITHS STATION, AL 36877 | AFLAC | $5 | — | $5 | 0.07% |
| ROBERT JOSEPH NEALON JR3 Filed as: ROBERT JOSEPH NEALON JR. | 66 CRESTMONT ROAD BINGHAMTON, NY 13905 | AFLAC | $5 | — | $5 | 0.07% |
| RUSSELL T BARRETT3 Filed as: RUSSELL T. BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.03% |
| JOHN B INFERRERA3 Filed as: JOHN B. INFERRERA | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $1 | — | $1 | 0.01% |
| KENNETH J HANNAN3 Filed as: KENNETH J. HANNAN | 5 FRIAR TUCK COURT CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.01% |
| CHERYL A ROTONDI3 Filed as: CHERYL A. ROTONDI | 352 USHERS ROAD BALLSTON LAKE, NY 12019 | AFLAC | $1 | — | $1 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.01% |
| STEVEN E DALABA3 Filed as: STEVEN E. DALABA | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $86 | — | $86 | 1.94% |
| EDWARD D YATES JR3 Filed as: EDWARD D. YATES JR. | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $66 | — | $66 | 1.49% |
| ANTHONY M TESORIO SR3 Filed as: ANTHONY M. TESORIO SR. | 535 CLUB SIDE DRIVE NAPLES, FL 34110 | AFLAC | $44 | — | $44 | 0.99% |
| JOSPEH P. CALARCO3 | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $43 | — | $43 | 0.97% |
| THOMAS R PAQUIN3 Filed as: THOMAS R. PAQUIN | 1260 VESTAL AVENUE BINGHAMTON, NY 13903 | AFLAC | $26 | — | $26 | 0.59% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES INC. | 19 BRITISH AMERICAN BOULEVARD LATHAM, NY 12110 | AFLAC | $25 | — | $25 | 0.56% |
| LAURIE M. CARTER3 | P.O. BOX 2 ADAMS, NY 13605 | AFLAC | $20 | — | $20 | 0.45% |
| VALERIE A. TESORIO3 | 535 CLUB SIDE DRIVE NAPLES, FL 34110 | AFLAC | $15 | — | $15 | 0.34% |
| SHEILA ANN WILSON3 Filed as: SHEILA A. WILSON | 36 SHARYL DRIVE CENTRAL SQUARE, NY 13036 | AFLAC | $14 | — | $14 | 0.32% |
| KENNETH M TRAWICK3 Filed as: KENNETH M. TRAWICK | 85 HINMAN ROAD PULASKI, NY 13142 | AFLAC | $11 | — | $11 | 0.25% |
| RUSSELL T BARRETT3 Filed as: RUSSELL T. BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $8 | — | $8 | 0.18% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $8 | — | $8 | 0.18% |
| KENNETH M TRAWICK3 Filed as: KENNETH M. TRAWICK | 85 HINSMAN ROAD PULASKI, NY 13142 | AFLAC | $6 | — | $6 | 0.14% |
| KELLY A IRVINE3 Filed as: KELLY A. IRVINE | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $4 | — | $4 | 0.09% |
| JOHN B INFERRERA3 Filed as: JOHN B. INFERRERA | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $4 | — | $4 | 0.09% |
| KENNETH J HANNAN3 Filed as: KENNETH J. HANNAN | 5 FRIAR TUCK COURT CLIFTON PARK, NY 12065 | AFLAC | $4 | — | $4 | 0.09% |
| SUZANNE GOULD3 | 2741 SAND BEACH ROAD AUBURN, NY 13021 | AFLAC | $2 | — | $2 | 0.05% |
| DUCK & COVER NY INC3 Filed as: DUCK & COVER NY INC. | 17 DALAMAR COURT LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.05% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.02% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $8 | — | $8 | 2.08% |
| LYNN B. POTWIN3 | 338 QUECHEE WEST HARTFORD ROAD WHITE RIVER JUNCTION, VT 05001 | AFLAC | $6 | — | $6 | 1.56% |
| LAWRENCE R. POTWIN3 | 338 QUECHEE WEST HARTFORD ROAD WHITE RIVER JUNCTION, VT 05001 | AFLAC | $2 | — | $2 | 0.52% |
| MICHAEL G RYAN3 Filed as: MICHAEL G. RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $2 | — | $2 | 0.52% |
| BRADLEY S JONES3 Filed as: BRADLEY S. JONES | 19 BRITISH AMERICAN BOULEVARD W LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.52% |
| KENNETH J HANNAN3 Filed as: KENNETH JAMES HANNAN | 5 FRIAR TUCK COURT CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.26% |
| RUSSELL T BARRETT3 Filed as: RUSSELL T. BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.26% |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 140 | $1.8M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $89K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $89K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $89K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 140 | $1.8M |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.