| 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 | 6.91% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY STE 400 ALBANY, NY 12204 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 5.93% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC | 706 N CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $9K | — | $9K | 13.38% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC SYRACUSE - ANDREW THOMAS | — | ALLYHEALTH LLC | $4K | — | $4K | 9.89% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC SYRACUSE - JOSEPH CALARCO | — | ALLYHEALTH LLC | $1K | — | $1K | 2.97% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $810 | — | $810 | 3.16% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $550 | — | $550 | 2.15% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $441 | — | $441 | 1.72% |
| JENNIE E RUSSO3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $393 | — | $393 | 1.53% |
| JOAN H HAYES3 Filed as: JOAN HAYES | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $304 | — | $304 | 1.19% |
| LAURA ANNE CALARCO3 Filed as: LAURA CALARCO | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $251 | — | $251 | 0.98% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI ST SYRACUSE, NY 13203 | AFLAC | $182 | — | $182 | 0.71% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $168 | — | $168 | 0.66% |
| FRIDAY CD FLATT3 Filed as: FRIDAY CD FLAT | 4570 CARLTON GOLF DR LAKE WORTH, FL 33449 | AFLAC | $119 | — | $119 | 0.46% |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS & FINANCIAL SERV LLC | PO BOX 327 TOWANDA, PA 18848 | AFLAC | $92 | — | $92 | 0.36% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE HAYES | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $62 | — | $62 | 0.24% |
| DOMINICK R ROTINDO3 Filed as: DOMINICK ROTINDO | 6592 THE HIDEOUT LAKE ARIEL, PA 18436 | AFLAC | $57 | — | $57 | 0.22% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $51 | — | $51 | 0.20% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $40 | — | $40 | 0.16% |
| LOREN E COVERT3 Filed as: LOREN COVERT | 118 CRARY AVE BINGHAMTON, NY 13905 | AFLAC | $37 | — | $37 | 0.14% |
| SEAN M TROWBRIDGE3 | 305 DEWITT RD SYRACUSE, NY 13214 | AFLAC | $29 | — | $29 | 0.11% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $20 | — | $20 | 0.08% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $19 | — | $19 | 0.07% |
| KIMBERLY A BLOISE3 | 5056 W SHOREWOOD RD DUNKIRK, NY 14048 | AFLAC | $19 | — | $19 | 0.07% |
| MARY JOAN BAYER3 | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $17 | — | $17 | 0.07% |
| 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% |
| MARY M THOMPSON3 | PO BOX 99 STOCKTON, NY 14784 | AFLAC | $15 | — | $15 | 0.06% |
| STEVEN J FERNAAYS3 | 18 BUTTERMILK HILL RD PITTSFORD, NY 14534 | AFLAC | $14 | — | $14 | 0.05% |
| PENNY EATON3 | 7880 STEUBEN ST HOLLAND PATENT, NY 13354 | AFLAC | $13 | — | $13 | 0.05% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DR NEW HARTFORD, NY 13413 | AFLAC | $10 | — | $10 | 0.04% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $8 | — | $8 | 0.03% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $7 | — | $7 | 0.03% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $6 | — | $6 | 0.02% |
| DARBY SMITH3 Filed as: DARBY L SMITH | 89 CEDAR ST APT 106 MORRISVILLE, NY 13408 | AFLAC | $6 | — | $6 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $4 | — | $4 | 0.02% |
| SCARLET S STRICKLAND3 | 1750 LOCK B RD N CLARKSVILLE, TN 37043 | AFLAC | $4 | — | $4 | 0.02% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $3 | — | $3 | 0.01% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ANDREW THOMAS3 Filed as: ANDREW C THOMAS | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $518 | $85 | $603 | 5.34% |
| LINDA M NEARHOOF3 | 3610 SCARBORO RD ERIE, PA 16506 | AFLAC | $216 | — | $216 | 1.91% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $150 | $20 | $170 | 1.50% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $84 | $11 | $95 | 0.84% |
| MICHELLE H KELLEY3 | 2411 W 26TH ST ERIE, PA 16506 | AFLAC | $87 | — | $87 | 0.77% |
| MARILYN WYMAN3 | 203 AIKEN RD NEW CASTLE, PA 16101 | AFLAC | $78 | — | $78 | 0.69% |
| NICHOLAS CALARCO3 | 115 S SEWARD AVE AUBURN, NY 13021 | AFLAC | $69 | $9 | $78 | 0.69% |
| CHARLENE M KOSKO3 | 574 TREASURE LK CU BOIS, PA 15801 | AFLAC | $46 | — | $46 | 0.41% |
| RONALD PUSZ3 Filed as: RONALD W PUSZ | 18282 TECHNOLOGY DR STE 205 MEADVILLE, PA 16335 | AFLAC | $36 | — | $36 | 0.32% |
| SHARI LEARISH3 | 524 E 11TH ST CLEARFIELD, PA 16830 | AFLAC | $36 | — | $36 | 0.32% |
| PEGGY LYNN STORMER3 | 244 MCANINCH RD BROOKVILLE, PA 15825 | AFLAC | $31 | — | $31 | 0.27% |
| BILLY M CRAIN3 | 8990 WENTLETRAP AVE PORT ST JOE, FL 32456 | AFLAC | $27 | — | $27 | 0.24% |
| KRISTINE A ZABRISKIE3 | 11 CHARLES ST AUBURN, NY 13021 | AFLAC | $10 | — | $10 | 0.09% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $5 | — | $5 | 0.04% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | — | $2 | 0.02% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $2 | — | $2 | 0.02% |
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 | 717 | 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) | 720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts, 2 carriers) | AFLAC | 172 | $55K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 872 | $131K |
| Short-term disability(2 contracts) | AFLAC | 27 | $37K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $32K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 720 | $65K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 872 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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.