| 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 | 6.86% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $425 | $7K | 4.96% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 5.73% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC | 706 N CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $7K | — | $7K | 11.26% |
| 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 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $915 | $25 | $940 | 3.67% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | PO BOX 130 AUBURN, NY 13021 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $395 | $6 | $401 | 1.56% |
| JOAN H HAYES3 Filed as: JOAN HAYES | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $335 | — | $335 | 1.31% |
| LAURA ANNE CALARCO3 Filed as: LAURA CALARCO | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $298 | $6 | $304 | 1.19% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI ST SYRACUSE, NY 13203 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $214 | — | $214 | 0.84% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $146 | — | $146 | 0.57% |
| FRIDAY CD FLATT3 Filed as: FRIDAY FLAT | 4570 CARLTON GOLF DR LAKE WORTH, FL 33449 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $135 | — | $135 | 0.53% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE HAYES | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $68 | — | $68 | 0.27% |
| DOMINICK R ROTINDO3 Filed as: DOMINICK ROTINDO | 6592 THE HIDEOUT LAKE ARIEL, PA 18436 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $65 | — | $65 | 0.25% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $57 | — | $57 | 0.22% |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS & FINANCIAL SERV LLC | PO BOX 327 TOWANDA, PA 18848 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $57 | — | $57 | 0.22% |
| LOREN E COVERT3 Filed as: LOREN COVERT | 118 CRARY AVE BINGHAMTON, NY 13905 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $46 | — | $46 | 0.18% |
| THOMAS R PAQUIN3 Filed as: THOMAS PAQUIN | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $40 | — | $40 | 0.16% |
| SEAN M TROWBRIDGE3 Filed as: SEAN TROWBRIDGE | 305 DEWITT RD SYRACUSE, NY 13214 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $29 | — | $29 | 0.11% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $19 | — | $19 | 0.07% |
| KIMBERLY A BLOISE3 Filed as: KIMBERLY BLOISE | 5056 W SHOREWOOD RD DUNKIRK, NY 14048 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $19 | — | $19 | 0.07% |
| JOSEPH BAYER3 | 1089 LESTER RD MONTROSE, PA 18801 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $17 | — | $17 | 0.07% |
| STEPHEN CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $15 | — | $15 | 0.06% |
| JOHN NOLLOTH3 | 7594 HANNUM ROAD MAYVILLE, NY 14757 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $15 | — | $15 | 0.06% |
| MARY M THOMPSON3 Filed as: MARY THOMPSON | PO BOX 99 STOCKTON, NY 14784 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $14 | — | $14 | 0.05% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $13 | — | $13 | 0.05% |
| STEVEN J FERNAAYS3 Filed as: STEVEN FERNAAYS | 18 BUTTERMILK HILL RD PITTSFORD, NY 14534 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $9 | — | $9 | 0.04% |
| STEVEN DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $8 | — | $8 | 0.03% |
| PENNY EATON3 | 7880 STEUBEN ST HOLLAND PATENT, NY 13354 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $8 | — | $8 | 0.03% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $6 | — | $6 | 0.02% |
| DAWN PELLERIN3 | 34 TAMARACK DR NEW HARTFORD, NY 13413 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $6 | — | $6 | 0.02% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $5 | — | $5 | 0.02% |
| LAURIE SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $4 | — | $4 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $4 | — | $4 | 0.02% |
| DARBY SMITH3 | 89 CEDAR ST APT 106 MORRISVILLE, NY 13408 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $4 | — | $4 | 0.02% |
| SCARLET S STRICKLAND3 Filed as: SCARLET STRICKLAND | 1750 LOCK B RD N CLARKSVILLE, TN 37043 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $2 | — | $2 | 0.01% |
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 | 732 | 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) | 736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | 28 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 885 | $137K |
| Short-term disability | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | 28 | $26K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 131 | $85K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 732 | $63K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 885 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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.