| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $11K | $0 | $11K | 8.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30 CENTURY HILL, SUITE 200 LATHAM, NY 12110 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $1K | $0 | $1K | 0.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $149 | $0 | $149 | 0.17% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DRIVE APARTMENT 208 NAPLES, FL 34110 | AFLAC | $2K | $0 | $2K | 6.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | AFLAC | $1K | $0 | $1K | 5.89% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $576 | $0 | $576 | 2.48% |
| STEPHEN MARK BAUSO3 | 16 CAYUGA STREET AUBURN, NY 13021 | AFLAC | $549 | $0 | $549 | 2.36% |
| NICHOLAS CALARCO3 | 120 EAST WASHINGTON STREET SUITE 822 SYRACUSE, NY 13202 | AFLAC | $200 | $0 | $200 | 0.86% |
| KRISTINE A ZABRISKIE3 Filed as: KRISTINE A. ZABRISKIE | 11 CHARLES STREET AUBURN, NY 13021 | AFLAC | $127 | $0 | $127 | 0.55% |
| L&M GROUP LIMITED3 Filed as: L&M GROUP LIMITED AND OTHER AGENTS | 3820 SHERIDAN DRIVE AMHERST, NY 14226 | AFLAC | $46 | $0 | $46 | 0.20% |
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 | 130 | $89K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $89K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 144 | $139K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 144 | $139K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 144 | $139K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 144 | $162K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.