| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 6.50% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 6.19% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $9K | — | $9K | 14.01% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC SYRACUSE - ANDREW THOMAS | — | ALLYHEALTH LLC | $4K | — | $4K | 9.95% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC SYRACUSE - JOSEPH CALARCO | — | ALLYHEALTH LLC | $1K | — | $1K | 2.99% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $1K | $109 | $2K | 6.34% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $497 | $31 | $528 | 2.23% |
| JOAN H HAYES3 | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $459 | — | $459 | 1.94% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $357 | — | $357 | 1.51% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $324 | $22 | $346 | 1.46% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI ST SYRACUSE, NY 13203 | AFLAC | $241 | — | $241 | 1.02% |
| FRIDAY CD FLATT3 Filed as: FRIDAY CD FLAT | 4570 CARLTON GOLF DR LAKE WORTH, FL 33449 | AFLAC | $241 | — | $241 | 1.02% |
| DOMINICK R ROTINDO3 | 4570 CARLTON GOLF DR WELLINGTON, FL 33449 | AFLAC | $104 | — | $104 | 0.44% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J HAYES | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $86 | — | $86 | 0.36% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $81 | — | $81 | 0.34% |
| TERRENCE JAMES CONSIDINE3 | 23 STEWART PL CORTLAND, NC 13045 | AFLAC | $22 | $57 | $79 | 0.33% |
| LOREN E COVERT3 | 118 CRARY AVE BINGHAMTON, NY 13905 | AFLAC | $63 | — | $63 | 0.27% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $46 | — | $46 | 0.19% |
| SEAN M TROWBRIDGE3 | 3201 OLIVE DR BALDWINSVILLE, NY 13027 | AFLAC | $29 | — | $29 | 0.12% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $24 | — | $24 | 0.10% |
| KIMBERLY A BLOISE3 | 5056 W SHOREWOOD RD DUNKIRK, NY 14048 | AFLAC | $19 | — | $19 | 0.08% |
| STEPHEN R CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $15 | — | $15 | 0.06% |
| 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% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $10 | — | $10 | 0.04% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $8 | — | $8 | 0.03% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $6 | — | $6 | 0.03% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $4 | — | $4 | 0.02% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | 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 | 722 | 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) | 726 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AFLAC | 32 | $24K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 915 | $131K |
| Short-term disability | AFLAC | 32 | $24K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 138 | $75K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 722 | $65K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 915 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 915 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.