| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $2K | $32K | 16.63% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $607 | — | $607 | 4.69% |
| JOSEPH P CALARCO3 | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $255 | — | $255 | 1.97% |
| JAMES P. REAGAN AGENCY, INC.3 Filed as: JAMES P REAGAN AGENCY INC. | PO BOX 131, 8 E MAIN ST MARCELLUS, NY 13108 | AFLAC | $219 | — | $219 | 1.69% |
| JENNIE E RUSSO3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $187 | — | $187 | 1.45% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $167 | — | $167 | 1.29% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $128 | — | $128 | 0.99% |
| KRISTOPHER TOMPKINS3 | 3686 E GENESEE STREET RD AUBURN, NY 13021 | AFLAC | $48 | — | $48 | 0.37% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES & ASSOCIATES, INC. | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $41 | — | $41 | 0.32% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $20 | — | $20 | 0.15% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $14 | — | $14 | 0.11% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $11 | — | $11 | 0.09% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $195K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $195K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $195K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $195K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $195K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.