| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $64K | — | $64K | 3.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $13K | 18.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | DELTA DENTAL OF NEW YORK | $5K | — | $5K | 9.29% |
| DAVID F VAN SLYKE3 | 215 BUMP DR SYRACUSE, NY 13209 | AFLAC | $741 | — | $741 | 2.95% |
| SUZANNE GOULD3 | 2741 SAND BEACH RD AUBURN, NY 13021 | AFLAC | $441 | — | $441 | 1.76% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $205 | $69 | $274 | 1.09% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $198 | — | $198 | 0.79% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $171 | $12 | $183 | 0.73% |
| GIBIDES INC3 | PO BOX 331 ROYERSFORD, PA 19468 | AFLAC | $137 | — | $137 | 0.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | AFLAC | $100 | — | $100 | 0.40% |
| STEPHEN R CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $71 | — | $71 | 0.28% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $62 | — | $62 | 0.25% |
| WILLIAM S MATHIAS3 | PO BOX 83 NEW HARTFORD, NY 13413 | AFLAC | $48 | — | $48 | 0.19% |
| MARA ANNE GILLANI3 | 2848 N MYERS ST BURBANK, CA 91504 | AFLAC | $44 | — | $44 | 0.18% |
| ANTHONY M TESORIO SR3 | 535 CLUB SIDE DR NAPLES, FL 34110 | AFLAC | $40 | — | $40 | 0.16% |
| ELIZABETH A SPINNER3 | 7903 N GRAYCOAT CT SPOKANE, WA 99208 | AFLAC | $38 | — | $38 | 0.15% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $36 | — | $36 | 0.14% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $26 | — | $26 | 0.10% |
| DIANE L HARKNESS3 | 285 HARKNESS RD GILLETT, PA 16925 | AFLAC | $23 | — | $23 | 0.09% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $13 | — | $13 | 0.05% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $10 | — | $10 | 0.04% |
| JOSEPH L EAMES3 | 3520 NEW HARTFORD RD STE 200 OWENSBORO, KY 42303 | AFLAC | $9 | — | $9 | 0.04% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $5 | — | $5 | 0.02% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $2 | — | $2 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | VISION SERVICE PLAN | $474 | — | $474 | 5.05% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 86 | $1.6M |
| Dental | DELTA DENTAL OF NEW YORK | 216 | $51K |
| Vision | VISION SERVICE PLAN | 68 | $9K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $74K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $74K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 86 | $1.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.