| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 30 CENTURY HILL DRIVE, SUITE 200 LATHAM, NY 12110 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $12K | $0 | $12K | 8.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $8K | 6.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $2K | $0 | $2K | 6.91% |
| KENDRA TRAMMEL3 | 2776 STATE ROUTE 31 WEEDSPORT, NY 13166 | AFLAC | $1K | $0 | $1K | 4.27% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DRIVE APARTMENT 208 NAPLES, FL 34110 | AFLAC | $908 | $0 | $908 | 3.79% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $577 | $0 | $577 | 2.41% |
| NICHOLAS CALARCO3 | 120 EAST WASHINGTON STREET SUITE 822 SYRACUSE, NY 13202 | AFLAC | $474 | $0 | $474 | 1.98% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NY, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | AFLAC | $410 | $0 | $410 | 1.71% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS & OTHERS | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | AFLAC | $334 | $0 | $334 | 1.39% |
| BROWN & BROWN INSURANCE SERVICES4 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $152 | $0 | $152 | 5.07% |
| LAURA ANNE CALARCO3 Filed as: LAURA CALARCO | 340 HORSE CREEK DRIVE APARTMENT 208 NAPLES, FL 34110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $144 | $0 | $144 | 4.81% |
| NEW CHARTERS LLC4 Filed as: NEW CHARTERS, LLC | PO BOX 8927 ELIZABETH, NJ 07201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $77 | — | $77 | 2.57% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $112K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $112K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 144 | $141K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 144 | $141K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 144 | $141K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 144 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.