| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATION INC | 901 LODI ST STE 103 SYRACUSE, NY 132032259 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 7.01% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC | 901 LODI STREET SYRACUSE, NY 13203 | EXCELLUS BLUE CROSS BLUE SHIELD | $7K | — | $7K | 5.69% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 1.90% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.69% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC | 901 LODI ST SYRACUSE, NC 13203 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.50% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $860 | $860 | 1.29% |
| ANDREW THOMAS3 | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $1K | $24 | $1K | 4.79% |
| JOAN H HAYES3 | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $527 | — | $527 | 2.08% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI ST SYRACUSE, NY 13203 | AFLAC | $510 | — | $510 | 2.01% |
| JOSEPH P CALARCO3 | PO BOX 130 63 GENESEE ST, STE 2 AUBURN, NY 13021 | AFLAC | $326 | $5 | $331 | 1.31% |
| FRIDAY CD FLATT3 Filed as: FRIDAY CD FLAT | 4570 CARLTON GOLF DR LAKE WORTH, FL 33449 | AFLAC | $277 | — | $277 | 1.09% |
| JOSEPH P CALARCO3 | 63 GENESEE ST, SUITE 2 P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $142 | — | $142 | 0.56% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $133 | $5 | $138 | 0.54% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J HAYES | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $129 | — | $129 | 0.51% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $99 | — | $99 | 0.39% |
| DOMINICK R ROTINDO3 | 4570 CARLTON GOLF DR WELLINGTON, FL 33449 | AFLAC | $67 | — | $67 | 0.26% |
| LOREN E COVERT3 | 118 CRARY AVE BINGHAMTON, NY 13905 | AFLAC | $63 | — | $63 | 0.25% |
| DOMINICK R ROTINDO3 | 4133 LAUREL ESTATES WAY WELLINGTON, FL 33449 | AFLAC | $54 | — | $54 | 0.21% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $46 | — | $46 | 0.18% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $27 | — | $27 | 0.11% |
| SEAN M TROWBRIDGE3 | 3517 COLD SPRINGS ROAD BALDWINSVILLE, NY 13027 | AFLAC | $24 | — | $24 | 0.09% |
| STEPHEN R CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $20 | — | $20 | 0.08% |
| KIMBERLY A BLOISE3 | 5056 W SHOREWOOD RD DUNKIRK, NY 14048 | AFLAC | $19 | — | $19 | 0.07% |
| ANN K NOLLOTH3 | 7594 HANNUM ROAD MAYVILLE, NY 14757 | AFLAC | $15 | — | $15 | 0.06% |
| NOLLOTH THOMPSON AGENCY INC.3 Filed as: NOLLOTH THOMPSON AGENCY INC | PO BOX 99 STOCKTON, NY 14784 | AFLAC | $15 | — | $15 | 0.06% |
| MARY JOAN BAYER3 | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $13 | — | $13 | 0.05% |
| SEAN M TROWBRIDGE3 | 3517 COLD SPRINGS RD BALDWINSVILLE, NY 13027 | AFLAC | $12 | — | $12 | 0.05% |
| STEVEN E DALABA3 Filed as: STEVEN R DALABA | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $12 | — | $12 | 0.05% |
| JENNIFER DICK3 | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $11 | — | $11 | 0.04% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $9 | — | $9 | 0.04% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $7 | — | $7 | 0.03% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $4 | — | $4 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $2 | — | $2 | 0.01% |
| RUSSELL T BARRETT3 | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $0 | — | $0 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $0 | — | $0 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $0 | — | $0 | 0.00% |
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 | 740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AFLAC | 34 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 948 | $122K |
| Short-term disability | AFLAC | 34 | $25K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 132 | $67K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 742 | $115K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 948 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 948 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.