| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $9K | — | $9K | 6.76% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.75% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATION INC | 901 LODI ST STE 103 SYRACUSE, NY 132032259 | METROPOLITAN LIFE INSURANCE COMPANY | $737 | — | $737 | 0.60% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | — | $7K | 9.81% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | -$860 | -$860 | -1.15% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | -$2K | — | -$2K | -3.30% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC SYRACUSE - ANDREW THOMAS | — | ALLYHEALTH LLC | $4K | — | $4K | 9.87% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC SYRACUSE - JOSEPH CALARCO | — | ALLYHEALTH LLC | $1K | — | $1K | 2.96% |
| ANDREW THOMAS3 | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $3K | $163 | $3K | 9.79% |
| JOAN H HAYES3 | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $541 | — | $541 | 1.81% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI ST SYRACUSE, NY 13203 | AFLAC | $448 | — | $448 | 1.50% |
| JOSEPH P CALARCO3 | PO BOX 130 63 GENESEE ST, STE 2 AUBURN, NY 13021 | AFLAC | $423 | $19 | $442 | 1.48% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $353 | $33 | $386 | 1.29% |
| FRIDAY CD FLATT3 Filed as: FRIDAY CD FLAT | 4570 CARLTON GOLF DR LAKE WORTH, FL 33449 | AFLAC | $282 | — | $282 | 0.94% |
| JOSEPH P CALARCO3 | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $236 | $14 | $250 | 0.84% |
| DOMINICK R ROTINDO3 | 4570 CARLTON GOLF DR WELLINGTON, FL 33449 | AFLAC | $122 | — | $122 | 0.41% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J HAYES | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $104 | — | $104 | 0.35% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $95 | — | $95 | 0.32% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $69 | — | $69 | 0.23% |
| LOREN E COVERT3 | 118 CRARY AVE BINGHAMTON, NY 13905 | AFLAC | $63 | — | $63 | 0.21% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $50 | — | $50 | 0.17% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $27 | — | $27 | 0.09% |
| SEAN M TROWBRIDGE3 | 3517 COLD SPRINGS ROAD BALDWINSVILLE, NY 13027 | AFLAC | $22 | — | $22 | 0.07% |
| KIMBERLY A BLOISE3 | 5056 W SHOREWOOD RD DUNKIRK, NY 14048 | AFLAC | $21 | — | $21 | 0.07% |
| STEPHEN R CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $18 | — | $18 | 0.06% |
| ANN K NOLLOTH3 | 7594 HANNUM ROAD MAYVILLE, NY 14757 | AFLAC | $16 | — | $16 | 0.05% |
| NOLLOTH THOMPSON AGENCY INC.3 Filed as: NOLLOTH THOMPSON AGENCY INC | PO BOX 99 STOCKTON, NY 14784 | AFLAC | $16 | — | $16 | 0.05% |
| MARY JOAN BAYER3 | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $14 | — | $14 | 0.05% |
| SEAN M TROWBRIDGE3 | 3201 OLIVE DR BALDWINSVILLE, NY 13027 | AFLAC | $12 | — | $12 | 0.04% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $11 | — | $11 | 0.04% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $7 | — | $7 | 0.02% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $5 | — | $5 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $5 | — | $5 | 0.02% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $3 | — | $3 | 0.01% |
| RUSSELL T BARRETT3 | 665 SARATOGA RD APT 130 GANSEVOORT, NY 12831 | AFLAC | $0 | — | $0 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY RD 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 | 794 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AFLAC | 32 | $30K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 990 | $123K |
| Short-term disability | AFLAC | 32 | $30K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 110 | $75K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 801 | $130K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 990 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 990 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.