| 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 | $66K | — | $66K | 3.79% |
| 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 | 8.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $1K | $4K | 13.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP MANASSAS, VA 20109 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $259 | $259 | 0.93% |
| DAVID F VAN SLYKE3 | 215 BUMP DR SYRACUSE, NY 13209 | AFLAC | $666 | — | $666 | 2.52% |
| SUZANNE GOULD3 | 2741 SAND BEACH RD AUBURN, NY 13021 | AFLAC | $314 | — | $314 | 1.19% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $169 | — | $169 | 0.64% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $133 | — | $133 | 0.50% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $129 | — | $129 | 0.49% |
| DAVID GIBIDES3 | 2305 LIBERTY CT NORRISTOWN, PA 19403 | AFLAC | $100 | — | $100 | 0.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | AFLAC | $81 | — | $81 | 0.31% |
| STEPHEN R CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $71 | — | $71 | 0.27% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $57 | — | $57 | 0.22% |
| MARA ANNE GILLANI3 | 2848 N MYERS ST BURBANK, CA 91504 | AFLAC | $43 | — | $43 | 0.16% |
| ANTHONY M TESORIO SR3 | 16256 BONITA LANDING CIR BONITA SPRINGS, FL 34135 | AFLAC | $40 | — | $40 | 0.15% |
| ELIZABETH A SPINNER3 | 7903 N GRAYCOAT CT SPOKANE, WA 99208 | AFLAC | $33 | — | $33 | 0.12% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $33 | — | $33 | 0.12% |
| WILLIAM S MATHIAS3 | PO BOX 853 PHILMONT, NY 12565 | AFLAC | $33 | — | $33 | 0.12% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $23 | — | $23 | 0.09% |
| DIANE L HARKNESS3 | 285 HARKNESS RD GILLETT, PA 16925 | AFLAC | $23 | — | $23 | 0.09% |
| GIBIDES INC3 | PO BOX 331 ROYERSFORD, PA 19468 | AFLAC | $21 | — | $21 | 0.08% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $10 | — | $10 | 0.04% |
| DAVID B PERLEE3 Filed as: DAVID PERLEE | 1989 NEPTUNE DR ENGLEWOOD, FL 34223 | AFLAC | $10 | — | $10 | 0.04% |
| JOSEPH L EAMES3 | 3520 NEW HARTFORD RD STE 200 OWENSBORO, KY 42303 | AFLAC | $9 | — | $9 | 0.03% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $5 | — | $5 | 0.02% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $3K | $940 | $3K | 13.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP MANASSAS, VA 20109 | COMPANION LIFE INSURANCE COMPANY | — | $235 | $235 | 0.92% |
| 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 | $764 | — | $764 | 7.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $311 | $114 | $425 | 13.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP MANASSAS, VA 20109 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $29 | $29 | 0.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $92 | $94 | $186 | 20.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP MANASSAS, VA 20109 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $24 | $24 | 2.61% |
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 | 103 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 89 | $1.7M |
| Dental | DELTA DENTAL OF NEW YORK | 209 | $60K |
| Vision | VISION SERVICE PLAN | 78 | $11K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 103 | $29K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 103 | $28K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 89 | $1.7M |
| Other(4 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 103 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.