| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 BELMAR, NJ 07719 | GUARDIAN LIFE INSURANCE COMPANY | $35K | $4K | $38K | 15.79% |
| ONE GROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $2K | $0 | $2K | 7.32% |
| NICHOLAS CALARCO3 | 120 E WASHINGTON ST STE 822 SYRACUSE, NY 13202 | AFLAC | $2K | $293 | $2K | 6.90% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $686 | $58 | $744 | 2.76% |
| ANDREW THOMAS3 Filed as: ANDREW C THOMAS | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $620 | $0 | $620 | 2.30% |
| ZOE TOGNI3 | 32 E GENESEE ST AUBURN, NY 13021 | AFLAC | $383 | $0 | $383 | 1.42% |
| REAGAN JAMES P AGENCY INC3 | PO BOX 131 MARCELLUS, NY 13108 | AFLAC | $213 | $0 | $213 | 0.79% |
| JENNIE E RUSSO3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $172 | $0 | $172 | 0.64% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $139 | $0 | $139 | 0.51% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $39 | $0 | $39 | 0.14% |
| KRISTOPHER TOMPKINS3 | 3686 E GENESEE ST RD AUBURN, NY 13021 | AFLAC | $38 | $0 | $38 | 0.14% |
| KELLY A IRVINE3 Filed as: KELLY ANN IRVINE | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $14 | $0 | $14 | 0.05% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $10 | $0 | $10 | 0.04% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 204 | $243K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 204 | $243K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 204 | $243K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 204 | $243K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 204 | $243K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 204 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.