| 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 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $30K | — | $30K | 4.50% |
| 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% |
| LAURA ANNE CALARCO3 Filed as: LAURA CARLARCO | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $2K | $128 | $2K | 8.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | AFLAC | $1K | — | $1K | 5.35% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $598 | $30 | $628 | 2.43% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $369 | — | $369 | 1.43% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $92 | — | $92 | 0.36% |
| ROBERT J SCOTT3 | P O BOX 1058 BINGHAMTON, NY 13902 | AFLAC | $39 | — | $39 | 0.15% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $34 | — | $34 | 0.13% |
| KRISTINE A ZABRISKIE3 | 11 CHARLES ST AUBURN, NY 13021 | AFLAC | $23 | — | $23 | 0.09% |
| ROBERT JOSEPH NEALON JR3 | 66 CRESTMONT RD BINGHAMTON, NY 13905 | AFLAC | $16 | — | $16 | 0.06% |
| ROBERT JOSEPH NEALON JR3 | 66 CRESTMONT RD BINGHAMTON, NY 13905 | AFLAC | $15 | — | $15 | 0.06% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $10 | — | $10 | 0.04% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $7 | — | $7 | 0.03% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $3 | — | $3 | 0.01% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $2 | — | $2 | 0.01% |
| 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 | $2K | $114 | $2K | 15.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SYRACUSE, NY 13204 | EYEMED VISION CARE | $968 | — | $968 | 10.93% |
| 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 | $146 | $11 | $157 | 10.78% |
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 | 78 | 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) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 68 | $670K |
| Dental | DELTA DENTAL OF NEW YORK | 141 | $64K |
| Vision | EYEMED VISION CARE | 128 | $9K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 78 | $17K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 68 | $670K |
| Other(4 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 78 | $712K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.