| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 595 STEWART AVE FLOOR 7 GARDEN CITY, NY 11530 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.62% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC. | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | SYMETRA LIFE INSURANCE COMPANY | -$5 | $919 | $914 | 3.86% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 8.73% |
| DEBRA PARKER3 | 20 BOWEN ST AUBURN, NY 13021 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $288 | — | $288 | 1.47% |
| LAURA ANNE CALARCO3 Filed as: LAURA CALARCO | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $215 | — | $215 | 1.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $93 | — | $93 | 0.47% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | PO BOX 130 AUBURN, NY 13021 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $77 | — | $77 | 0.39% |
| ACRISURE LLC3 Filed as: HAYLOR, FREYER & COON, INC | PO BOX 4743 SYRACUSE, NY 13221 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $69 | — | $69 | 0.35% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $56 | — | $56 | 0.29% |
| SHAWN DALY3 | 2287 CENTER RD SCIPIO CENTER, NY 13147 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $48 | — | $48 | 0.24% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $31 | — | $31 | 0.16% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $28 | — | $28 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $688 | — | $688 | 11.79% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR ROCHESTER, NY 14625 | FIRST UNUM LIFE INSURANCE COMPANY | $187 | — | $187 | 3.21% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 152 | $24K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 155 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.