| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $42K | $209K | $250K | 25.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | $12K | $18K | 25.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | $594 | $6K | 16.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $420 | $4K | 15.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $344 | $4K | 16.56% |
| ROBIN MOORE | PO BOX 1623 FAIRPORT, NY 14450 | AFLAC OF NEW YORK | $519 | $22 | $541 | 4.87% |
| STEPHEN G CAMPO Filed as: STEPHEN CAMPO | 604 HARVARD STREET ROCHESTER, NY 14607 | AFLAC OF NEW YORK | $304 | $70 | $374 | 3.37% |
| BRENDAN MCCARTHY AND CREW INC | 39 SAGINAW DRIVE STE 2 ROCHESTER, NY 14623 | AFLAC OF NEW YORK | $148 | $21 | $169 | 1.52% |
| ELLEN REYNOLDS | 11 JAMES STREET FAIRPORT, NY 14450 | AFLAC OF NEW YORK | $147 | — | $147 | 1.32% |
| COLLIN WHEATLEY | 350 ROXBOROUGH ROAD ROCHESTER, NY 14619 | AFLAC OF NEW YORK | $110 | $16 | $126 | 1.13% |
| DEBRA PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC OF NEW YORK | $87 | — | $87 | 0.78% |
| STEPHEN C PLATNER Filed as: STEPHEN PLATNER | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC OF NEW YORK | $85 | — | $85 | 0.77% |
| CONSILIARIUM GROUP LLC | 1250 PITTSFORD VICTOR ROAD STE 110 PITTSFORD, NY 14534 | AFLAC OF NEW YORK | $38 | — | $38 | 0.34% |
| ERIN HOLZSCHUH | 1372 COVELL ROAD BROCKPORT, NY 14420 | AFLAC OF NEW YORK | $20 | $5 | $25 | 0.23% |
| JEFF DALABA | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC OF NEW YORK | $22 | — | $22 | 0.20% |
| JOHN B INFERRERA Filed as: JOHN INFERRERA | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC OF NEW YORK | $18 | — | $18 | 0.16% |
| STEVEN E DALABA | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC OF NEW YORK | $9 | — | $9 | 0.08% |
| TIMOTHY HENDERSON | 13 WILD LAUREL LN HILTON HEAD, SC 29926 | AFLAC OF NEW YORK | $7 | — | $7 | 0.06% |
| BRAD JONES AND ASSOCIATES INC | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC OF NEW YORK | $5 | — | $5 | 0.05% |
| KELLY A IRVINE | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC OF NEW YORK | $4 | — | $4 | 0.04% |
| LAURA ANNE CALARCO | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC OF NEW YORK | $2 | — | $2 | 0.02% |
| KEVIN MURPHY | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC OF NEW YORK | $1 | — | $1 | 0.01% |
| DAVID B PERLEE Filed as: DAVID PERLEE | 1989 NEPTUNE DRIVE ENGLEWOOD, NY 34223 | AFLAC OF NEW YORK | $1 | — | $1 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | VISION SERVICE PLAN | $6K | $12K | $18K | 190.52% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 160 | $979K |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 152 | $71K |
| Vision(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 160 | $988K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $28K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 62 | $22K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 160 | $979K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 87 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.