| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $56K | — | $56K | 4.14% |
| TERRENCE JAMES CONSIDINE3 Filed as: TERRENCE CONSIDINE | 23 STEWART PL CORTLAND, NY 13045 | AFLAC | $2K | $44 | $2K | 12.08% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 63 GENESEE ST SUITE 2 AUBURN, NY 13021 | AFLAC | $277 | $7 | $284 | 1.72% |
| DAVID R MORRISON3 Filed as: DAVID MORRISON | 208 PONTAXIT AVE CAPE MAY, NJ 08204 | AFLAC | $226 | — | $226 | 1.37% |
| DEBRA PARKER3 | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $173 | — | $173 | 1.05% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | AFLAC | $44 | — | $44 | 0.27% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $30 | — | $30 | 0.18% |
| ANTHONY M TESORIO SR3 Filed as: ANTHONY TESORIO | 535 CLUB SIDE DR NAPLES, FL 34110 | AFLAC | $28 | — | $28 | 0.17% |
| THOMAS R PAQUIN3 Filed as: THOMAS PAQUIN | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $23 | — | $23 | 0.14% |
| MATTHEW M YANINAS3 Filed as: MATTHEW YANINAS | 4854 CROSS ST CAMPBELL, NY 14821 | AFLAC | $22 | — | $22 | 0.13% |
| ELLEN REYNOLDS3 | 11 JAMES ST FAIRPORT, NY 14450 | AFLAC | $19 | — | $19 | 0.11% |
| STEPHEN CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $18 | — | $18 | 0.11% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $13 | — | $13 | 0.08% |
| ANDREW THOMAS3 | 101 OLD COVE RD SUITE 114 LIVERPOOL, NY 13090 | AFLAC | $11 | — | $11 | 0.07% |
| NICHOLAS CALARCO3 | 30 GRANT ST AUBURN, NY 13021 | AFLAC | $9 | — | $9 | 0.05% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $9 | — | $9 | 0.05% |
| KEVIN MURPHY3 Filed as: KEVIN MUPRHY | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $6 | — | $6 | 0.04% |
| TERESA STRONG3 | PO BOX 52 MACEDON, NY 14502 | AFLAC | $6 | — | $6 | 0.04% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $6 | — | $6 | 0.04% |
| DANIEL P DUPRE3 Filed as: DANIEL DUPRE | 4 BEDFORD WAY PITTSFORD, NY 14534 | AFLAC | $6 | — | $6 | 0.04% |
| MICHAEL BURACK3 | 125 JERICHO TPKE SUITE 201 JERICHO, NY 11753 | AFLAC | $5 | — | $5 | 0.03% |
| EDWARD B LEAHY III3 Filed as: EDWARD LEAHY III | 85 ALLEN ST SUITE 210 ROCHESTER, NY 14608 | AFLAC | $5 | — | $5 | 0.03% |
| DAVID A COLLISON3 Filed as: DAVID COLLISON | 46 JOHNSTONE LN GEORGETOWN, SC 29440 | AFLAC | $4 | — | $4 | 0.02% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $4 | — | $4 | 0.02% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT JR | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $3 | — | $3 | 0.02% |
| LAURA BOHANNON3 | 23 MARVINE AVE AUBURN, NY 13021 | AFLAC | $3 | — | $3 | 0.02% |
| PAULA LYNN BIRCHFIELD3 Filed as: PAULA BIRCHFIELD | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $3 | — | $3 | 0.02% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL G RYAN3 Filed as: MICHAEL RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID M COUGHLIN3 Filed as: DAVID COUGHLIN | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $1 | — | $1 | 0.01% |
| TED COLUCCI3 | 299 WISCONSIN ST ROCHESTER, NY 14609 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID WEINGARTNER3 | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $1 | — | $1 | 0.01% |
| STEVEN DALABA3 | 7683 SEDGEWICK RIDGEE RD LEWISVILLE, NC 27023 | AFLAC | $1 | — | $1 | 0.01% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $1 | — | $1 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $815 | $2K | 15.53% |
| HOWARD J. ELIAS, INC.3 Filed as: HOWARD J ELIAS, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.03% |
| TERRENCE JAMES CONSIDINE3 Filed as: TERRENCE CONSIDINE | 23 STEWART PL CORTLAND, NY 13045 | AFLAC | $481 | $51 | $532 | 16.03% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 63 GENESEE ST SUITE 2 AUBURN, NY 13021 | AFLAC | $63 | $9 | $72 | 2.17% |
| ELLEN REYNOLDS3 | 11 JAMES ST FAIRPORT, NY 14450 | AFLAC | $27 | — | $27 | 0.81% |
| DAVID R MORRISON3 Filed as: DAVID MORRISON | 208 PONTAXIT AVE CAPE MAY, NJ 08204 | AFLAC | $25 | — | $25 | 0.75% |
| TERESA STRONG3 | PO BOX 52 MACEDON, NY 14502 | AFLAC | $13 | — | $13 | 0.39% |
| DEBRA PARKER3 | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $6 | — | $6 | 0.18% |
| PAULA LYNN BIRCHFIELD3 Filed as: PAULA BIRCHFIELD | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $6 | — | $6 | 0.18% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT JR | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $4 | — | $4 | 0.12% |
| DANIEL P DUPRE3 Filed as: DANIEL DUPRE | 4 BEDFORD WAY PITTSFORD, NY 14534 | AFLAC | $3 | — | $3 | 0.09% |
| EDWARD B LEAHY III3 Filed as: EDWARD LEAHY III | 85 ALLEN ST STE 210 ROCHESTER, NY 14608 | AFLAC | $3 | — | $3 | 0.09% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.06% |
| TED COLUCCI3 | 299 WISCONSIN ST ROCHESTER, NY 14609 | AFLAC | $2 | — | $2 | 0.06% |
| ANTHONY M TESORIO SR3 Filed as: ANTHONY TESORIO | 535 CLUB SIDE DR NAPLES, FL 34110 | AFLAC | $1 | — | $1 | 0.03% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.03% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.03% |
| BRIAN MCLAUCHLAN3 | 303 FOREST DR NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $496 | $47 | $543 | 28.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 401 S. MAIN ST NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $363 | — | $363 | 19.37% |
| SHEILA ANN WILSON3 | 36 SHARYL DR CENTRAL SQUARE, NY 13036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $117 | $208 | $325 | 17.34% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $78 | $7 | $85 | 4.54% |
| THOMAS R PAQUIN3 Filed as: THOMAS PAQUIN | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $46 | — | $46 | 4.87% |
| MATTHEW M YANINAS3 Filed as: MATTHEW YANINAS | 4854 CROSS ST CAMPBELL, NY 14821 | AFLAC | $43 | — | $43 | 4.55% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $7 | — | $7 | 0.74% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $2 | — | $2 | 0.21% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $2 | — | $2 | 0.21% |
| TERRENCE JAMES CONSIDINE3 Filed as: TERRENCE CONSIDINE | 23 STEWART PL CORTLAND, NY 13045 | AFLAC | $123 | $14 | $137 | 17.34% |
| ANTHONY M TESORIO SR3 Filed as: ANTHONY TESORIO | 535 CLUB SIDE DR NAPLES, FL 34410 | AFLAC | $23 | — | $23 | 2.91% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 69 GENESEE ST SUITE 2 PO BOX 130 AUBURN, NY 13021 | AFLAC | $21 | $2 | $23 | 2.91% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $12 | — | $12 | 1.52% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 160 | $1.4M |
| Dental | AFLAC | 17 | $17K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $13K |
| Life insurance(2 contracts) | AFLAC | 17 | $20K |
| Short-term disability(2 contracts) | AFLAC | 17 | $20K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 160 | $1.4M |
| Other(5 contracts, 2 carriers) | AFLAC | 17 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.