| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS R PAQUIN3 | 32 WEST STATE ST SUITE 205 BINGHAMTON, NY 13901 | AFLAC | $4K | $0 | $4K | 8.54% |
| JOLYNN HAIGHT3 Filed as: JOLYNN DANIELLE HAIGHT | 8360 COUNTY ROUTE 16 SAVONA, NY 14879 | AFLAC | $4K | $0 | $4K | 7.64% |
| ROBERT JOSEPH NEALON JR3 Filed as: ROBERT NEALON JR | 66 CRESTMONT ROAD BINGHAMTON, NY 13905 | AFLAC | $1K | $0 | $1K | 2.90% |
| ROBERT M NAPRAVA JR3 | 3855 VINE RD PENN YAN, NY 14527 | AFLAC | $1K | $0 | $1K | 2.69% |
| JENNIFER AYERS3 | 5897 S BAY RD CICERO, NY 13039 | AFLAC | $1K | $0 | $1K | 2.17% |
| DIANE L HARKNESS3 Filed as: DIANE HARKNESS | 285 HARKNESS ROAD GILLETT, PA 16925 | AFLAC | $858 | $0 | $858 | 1.80% |
| DIANE SCOTT3 | 54 MOELLER ST BINGHAMTON, NY 13904 | AFLAC | $289 | $0 | $289 | 0.61% |
| DEBRA PARKER3 | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $258 | $6 | $264 | 0.55% |
| PERRY AND CARROLL INC.3 Filed as: PERRY & CARROLL, INC. | 100 W CHURCH STREET ELMIRA, NY 14902 | AFLAC | $201 | $0 | $201 | 0.42% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $143 | — | $143 | 0.30% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 13 ARTERIAL EAST PO BOX 130 AUBURN, NY 13021 | AFLAC | $134 | $0 | $134 | 0.28% |
| DAVID WEINGARTNER3 | 13 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $83 | $0 | $83 | 0.17% |
| DALE EARP3 | 102 OAK AVE ELKLAND, PA 16920 | AFLAC | $42 | $29 | $71 | 0.15% |
| RAND ROBINSON3 | 129 SALTONSTALL ST LOT 52 CANANDAIGUA, NY 14424 | AFLAC | $46 | $0 | $46 | 0.10% |
| DAVID R MORRISON3 Filed as: DAVID MORRISON | 208 PONTAXIT AVE CAPE MAY, NJ 08204 | AFLAC | $46 | $0 | $46 | 0.10% |
| ROBERT PELTON3 | 885SCOTTSVILLE MUMFORD RD SCOTTSVILLE, NY 14546 | AFLAC | $32 | $6 | $38 | 0.08% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES, INC. | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $29 | $6 | $35 | 0.07% |
| JAMES S STAATS JR3 | 83 LASHER RD SELKIRK, NY 12158 | AFLAC | $29 | $0 | $29 | 0.06% |
| P.W. WOOD & SON, INC.3 | 2333 N. TRIPHAMMER RD SUITE 501 ITHACA, NY 14850 | AFLAC | $21 | $0 | $21 | 0.04% |
| JOSEPH GARETT KELLER3 Filed as: JOSEPH EAMES | 3520 NEW HARTFORD RD STE 200 OWENSBORO, KY 42303 | AFLAC | $20 | — | $20 | 0.04% |
| CHARLES S MADISON3 Filed as: CHARLES MADISON | 6110 CEDARCREST RD NW ACWORTH, GA 30101 | AFLAC | $19 | $0 | $19 | 0.04% |
| REBECCA PITCHER3 | 44 CHARLES ST ILION, NY 13357 | AFLAC | $19 | $0 | $19 | 0.04% |
| SCOTT OSTERHOUT3 | 1121 STATE ROUTE 143 RAVENNA, NY 12143 | AFLAC | $17 | $0 | $17 | 0.04% |
| JENNIFER KELLER3 Filed as: JENNIFER EAMES | 2624 S GRIFFITH AVE OWENSBORO, KY 42301 | AFLAC | $13 | $0 | $13 | 0.03% |
| AMANDA HARKNESS3 | 7096 CHECKERVILLE RD GILLETT, PA 16925 | AFLAC | $11 | $0 | $11 | 0.02% |
| DARRYL J YOUNG3 Filed as: DARRYL YOUNG | 4522 SHADY PLACE COURT BOWLING GREEN, KY 42104 | AFLAC | $10 | $0 | $10 | 0.02% |
| WILLIAM HAYDEN3 Filed as: WILLIAM CHAMBERLAIN | 46 PULASKI ST AUBURN, NY 13021 | AFLAC | $9 | $0 | $9 | 0.02% |
| CHARLES CAMPBELL3 | THE FINGERLAKES GROUP, LLC 94 MAIN ST BINGHAMTON, NY 13905 | AFLAC | $9 | $0 | $9 | 0.02% |
| SWAN & SONS-MORSS COMPANY INC3 Filed as: SWAN & SONS-MORSS CO INC | 309 E WATER ST ELMIRA, NY 14902 | AFLAC | $8 | $0 | $8 | 0.02% |
| RHONDA WENBERG3 | 5 HICKORY CREEK CV LITTLE ROCK, AR 72212 | AFLAC | $6 | $0 | $6 | 0.01% |
| ANTHONY M TESORIO SR3 Filed as: ANTHONY TESORIO | 5799 EAST LAKE ROAD AUBURN, NY 13021 | AFLAC | $5 | $0 | $5 | 0.01% |
| DAVID A COLLISON3 | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $5 | $0 | $5 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 1451 W CYPRESS CREEK RD STE 300 FT LAUDERDALE, FL 33309 | AFLAC | $4 | $0 | $4 | 0.01% |
| DAWN PELLERIN3 | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $3 | $0 | $3 | 0.01% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GAITHRIGHT, JR | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $2 | $0 | $2 | 0.00% |
| GAIL A COE3 Filed as: GAIL BERGER | 118 TOWER HILL DRIVE RED BANK, NJ 07701 | AFLAC | $2 | $0 | $2 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1192 PEYTON DR NW KENNESAW, GA 30152 | AFLAC | $2 | $0 | $2 | 0.00% |
| STACY DUINK3 | 169 LOUGHLIN RD BINGHAMTON, NY 13904 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 320 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 71 | $48K |
| Dental | AFLAC | 71 | $48K |
| Vision | AFLAC | 71 | $48K |
| Short-term disability | AFLAC | 71 | $48K |
| Other | AFLAC | 71 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.