| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $56K | — | $56K | 4.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $154 | $3K | 15.75% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $1K | $20 | $1K | 10.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | AFLAC | $737 | — | $737 | 5.10% |
| JOSEPH P CALARCO3 | PO BOX 130 63 GENESEE ST STE 2 AUBURN, NY 13021 | AFLAC | $430 | $8 | $438 | 3.03% |
| KRISTINE A ZABRISKIE3 | 11 CHARLES ST AUBURN, NY 13021 | AFLAC | $306 | — | $306 | 2.12% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $200 | — | $200 | 1.38% |
| ROBERT JOSEPH NEALON JR3 | 66 CRESTMONT RD BINGHAMTON, NY 13905 | AFLAC | $60 | — | $60 | 0.41% |
| ROBERT J SCOTT3 | P O BOX 1058 BINGHAMTON, NY 13902 | AFLAC | $32 | — | $32 | 0.22% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $31 | — | $31 | 0.21% |
| CHARLA MICHELLE ACKERMAN3 | 306 DRAPER AVE SYRACUSE, NY 13219 | AFLAC | $27 | — | $27 | 0.19% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $18 | — | $18 | 0.12% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $6 | — | $6 | 0.04% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $4 | — | $4 | 0.03% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $2 | — | $2 | 0.01% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SYRACUSE, NY 13204 | EYEMED VISION CARE | $1K | — | $1K | 10.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $167 | $13 | $180 | 10.81% |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 96 | $1.4M |
| Dental | DELTA DENTAL OF NEW YORK | 198 | $82K |
| Vision | EYEMED VISION CARE | 167 | $13K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 96 | $22K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 96 | $1.4M |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 96 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.