| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS INC - EMPIRE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $54K | — | $54K | 4.08% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $9K | 7.87% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE ST STE 1710 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.00% |
| TERRENCE JAMES CONSIDINE3 | 23 STEWART PL CORTLAND, NY 13045 | AFLAC | $307 | — | $307 | 4.80% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $64 | — | $64 | 1.00% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $57 | — | $57 | 0.89% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | AFLAC | $41 | — | $41 | 0.64% |
| DAVID R MORRISON3 | 1211 SHENKEL RD POTTSTOWN, PA 19465 | AFLAC | $37 | — | $37 | 0.58% |
| DEBRA M PARKER3 | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $29 | — | $29 | 0.45% |
| ANTHONY M TESORIO SR3 | 16256 BONITA LANDING CIR BONITA SPRINGS, FL 34135 | AFLAC | $7 | — | $7 | 0.11% |
| ELLEN REYNOLDS3 | 11 JAMES ST FAIRPORT, NY 14450 | AFLAC | $7 | — | $7 | 0.11% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $4 | — | $4 | 0.06% |
| DAVID A COLLISON3 | 46 JOHNSTONE LN GEORGETOWN, SC 29440 | AFLAC | $4 | — | $4 | 0.06% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $4 | — | $4 | 0.06% |
| DANIEL P DUPRE3 | 4 BEDFORD WAY PITTSFORD, NY 14534 | AFLAC | $4 | — | $4 | 0.06% |
| EDWARD B LEAHY III3 | 85 ALLEN ST STE 210 ROCHESTER, NY 14608 | AFLAC | $4 | — | $4 | 0.06% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $2 | — | $2 | 0.03% |
| DAVID WEINGARTNER3 Filed as: DAVID M WEINGARTNER | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $2 | — | $2 | 0.03% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.02% |
| DAVID M COUGHLIN3 | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $1 | — | $1 | 0.02% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $1 | — | $1 | 0.02% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $1 | — | $1 | 0.02% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS RD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $123 | — | $123 | 4.51% |
| BROWN & BROWN INSURANCE SERVICES3 | 401 S. MAIN STREET NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $63 | — | $63 | 2.31% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 401 S. MAIN STREET NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $33 | — | $33 | 1.21% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13207 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.99% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS RD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $40 | — | $40 | 4.66% |
| BROWN & BROWN INSURANCE SERVICES3 | 401 S MAIN STREET NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | — | $20 | 2.33% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 401 S. MAIN STREET NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | — | $11 | 1.28% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 1.05% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $18 | — | $18 | 4.90% |
| MATTHEW M YANINAS3 | 4854 CROSS ST CAMPBELL, NY 14821 | AFLAC | $17 | — | $17 | 4.63% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $3 | — | $3 | 0.82% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $1 | — | $1 | 0.27% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $1 | — | $1 | 0.27% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 97 | $1.3M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $119K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $113K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $119K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 97 | $1.3M |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.