| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $23K | 17.92% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC SYRACUSE - ANDREW THOMAS | — | ALLYHEALTH LLC | $4K | $0 | $4K | 9.89% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC SYRACUSE - JOSEPH CALARCO | — | ALLYHEALTH LLC | $1K | $0 | $1K | 2.97% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 132041327 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.35% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $515 | $3K | 8.23% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $799 | $0 | $799 | 3.46% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $545 | $0 | $545 | 2.36% |
| JENNIE E RUSSO3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $382 | $113 | $495 | 2.14% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $434 | $22 | $456 | 1.98% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $241 | $0 | $241 | 1.04% |
| HAYS COMPANIES, INC.3 Filed as: JOAN H HAYS | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $207 | $0 | $207 | 0.90% |
| NICHOLAS CALARCO3 | 120 E WASHINGTON ST STE 822 SYRACUSE, NY 13202 | AFLAC | $173 | $22 | $195 | 0.84% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI ST SYRACUSE, NY 13203 | AFLAC | $182 | $0 | $182 | 0.79% |
| FRIDAY CD FLATT3 | 4570 CARLTON GOLF DR LAKE WORTH, FL 33449 | AFLAC | $69 | $0 | $69 | 0.30% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J HAYS | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $68 | $0 | $68 | 0.29% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $40 | $0 | $40 | 0.17% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $37 | $0 | $37 | 0.16% |
| LOREN E COVERT3 | 118 CRARY AVE BINGHAMTON, NY 13905 | AFLAC | $37 | $0 | $37 | 0.16% |
| DOMINICK R ROTINDO3 | 6592 THE HIDEOUT LAKE ARIEL, PA 18436 | AFLAC | $33 | $0 | $33 | 0.14% |
| SEAN M TROWBRIDGE3 | 305 DEWITT RD SYRACUSE, NY 13214 | AFLAC | $29 | $0 | $29 | 0.13% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $19 | $0 | $19 | 0.08% |
| STEPHEN R CONNORS3 | 6485 RANDALL RD SYRACUSE, NY 13214 | AFLAC | $15 | $0 | $15 | 0.06% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $7 | $0 | $7 | 0.03% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $6 | $0 | $6 | 0.03% |
| KIMBERLY A BLOISE3 | 5056 W SHOREWOOD DR DUNKIRK, NY 14048 | AFLAC | $6 | $0 | $6 | 0.03% |
| MARY JOAN BAYER3 | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $6 | $0 | $6 | 0.03% |
| ANN K NOLLOTH3 | 7594 HANNUM ROAD MAYVILLE, NY 14757 | AFLAC | $5 | $0 | $5 | 0.02% |
| MARY M THOMPSON3 | PO BOX 99 STOCKTON, NY 14784 | AFLAC | $5 | $0 | $5 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $4 | $0 | $4 | 0.02% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $2 | $0 | $2 | 0.01% |
| ANDREW THOMAS3 Filed as: ANDREW C THOMAS | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $325 | $0 | $325 | 2.90% |
| LINDA M NEARHOOF3 | 3610 SCARBORO RD ERIE, PA 16506 | AFLAC | $214 | $0 | $214 | 1.91% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $128 | $0 | $128 | 1.14% |
| MICHELLE H KELLEY3 | 2411 W 26TH ST ERIE, PA 16506 | AFLAC | $85 | $0 | $85 | 0.76% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $84 | $0 | $84 | 0.75% |
| MARILYN WYMAN3 | 203 AIKEN RD NEW CASTLE, PA 16101 | AFLAC | $76 | $0 | $76 | 0.68% |
| CHARLENE M KOSKO3 | 574 TREASURE LK DU BOIS, PA 15801 | AFLAC | $46 | $0 | $46 | 0.41% |
| NICHOLAS CALARCO3 | 120 E WASHINGTON ST STE 822 SYRACUSE, NY 13202 | AFLAC | $44 | $0 | $44 | 0.39% |
| SHARI LEARISH3 | 524 E 11TH ST CLEARFIELD, PA 16830 | AFLAC | $36 | $0 | $36 | 0.32% |
| RONALD PUSZ3 Filed as: RONALD W PUSZ | 18282 TECHNOLOGY DR STE 205 MEADVILLE, PA 16335 | AFLAC | $35 | $0 | $35 | 0.31% |
| PEGGY LYNN STORMER3 | 244 MCANINCH RD BROOKVILLE, PA 15825 | AFLAC | $31 | $0 | $31 | 0.28% |
| BILLY M CRAIN3 | 8990 WENTLETRAP AVE PORT ST JOE, FL 32456 | AFLAC | $27 | $0 | $27 | 0.24% |
| KRISTINE A ZABRISKIE3 | 11 CHARLES ST AUBURN, NY 13021 | AFLAC | $24 | $0 | $24 | 0.21% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $5 | $0 | $5 | 0.04% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | $0 | $2 | 0.02% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $2 | $0 | $2 | 0.02% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 132041327 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $567 | $567 | 6.00% |
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 | 717 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(4 contracts, 2 carriers) | AFLAC | 323 | $66K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 840 | $163K |
| Short-term disability(2 contracts) | AFLAC | 27 | $34K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 715 | $138K |
| Other(6 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 840 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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.