| 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 | $49K | — | $49K | 4.05% |
| 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 | $6K | $928 | $7K | 5.81% |
| HOWARD J. ELIAS, INC.3 Filed as: HOWARD J ELIAS, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$4 | — | -$4 | -0.00% |
| TERRENCE JAMES CONSIDINE3 | 23 STEWART PL CORTLAND, NY 13045 | AFLAC | $3K | $95 | $3K | 16.21% |
| JOSEPH P CALARCO3 | PO BOX 130 63 GENESEE ST STE 2 AUBURN, NY 13021 | AFLAC | $368 | $16 | $384 | 2.27% |
| DAVID R MORRISON3 | 208 PONTAXIT AVE CAPE MAY, NJ 08204 | AFLAC | $184 | — | $184 | 1.09% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $146 | — | $146 | 0.86% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PARK STE 400 FAIRPORT, NY 14450 | AFLAC | $41 | — | $41 | 0.24% |
| ANTHONY M TESORIO SR3 | 535 CLUB SIDE DR NAPLES, FL 34110 | AFLAC | $27 | — | $27 | 0.16% |
| ANDREW THOMAS3 | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $22 | — | $22 | 0.13% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $21 | — | $21 | 0.12% |
| STEPHEN R CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $16 | — | $16 | 0.09% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $8 | — | $8 | 0.05% |
| ELLEN REYNOLDS3 | 11 JAMES ST FAIRPORT, NY 14450 | AFLAC | $7 | — | $7 | 0.04% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $7 | — | $7 | 0.04% |
| NICHOLAS CALARCO3 | 30 GRANT ST AUBURN, NY 13021 | AFLAC | $6 | — | $6 | 0.04% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $6 | — | $6 | 0.04% |
| KEVIN MURPHY3 Filed as: KEVIN MUPRHY | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $5 | — | $5 | 0.03% |
| DAVID A COLLISON3 | 46 JOHNSTONE LN GEORGETOWN, SC 29440 | AFLAC | $4 | — | $4 | 0.02% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $4 | — | $4 | 0.02% |
| DANIEL P DUPRE3 | 4 BEDFORD WAY PITTSFORD, NY 14534 | AFLAC | $4 | — | $4 | 0.02% |
| EDWARD B LEAHY III3 | 85 ALLEN ST STE 210 ROCHESTER, NY 14608 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL BURACK3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $3 | — | $3 | 0.02% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.01% |
| NICHOLAS CALARCO3 | 3118 STONEHENGE DR RICHARDSON, TX 75082 | AFLAC | $2 | — | $2 | 0.01% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $2 | — | $2 | 0.01% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $2 | — | $2 | 0.01% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL BURACK3 | 46 THREEPENCE DR MELVILLE, NY 11747 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID M COUGHLIN3 | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $1 | — | $1 | 0.01% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID WEINGARTNER3 Filed as: DAVID M WEINGARTNER | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $1 | — | $1 | 0.01% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $1 | — | $1 | 0.01% |
| TERRENCE JAMES CONSIDINE3 | 23 STEWART PL CORTLAND, NY 13045 | AFLAC | $178 | — | $178 | 5.34% |
| ELLEN REYNOLDS3 | 11 JAMES ST FAIRPORT, NY 14450 | AFLAC | $36 | — | $36 | 1.08% |
| DAVID R MORRISON3 | 208 PONTAXIT AVE CAPE MAY, NJ 08204 | AFLAC | $32 | — | $32 | 0.96% |
| JOSEPH P CALARCO3 | PO BOX 130 63 GENESEE ST SUITE 2 AUBURN, NY 13021 | AFLAC | $29 | — | $29 | 0.87% |
| TERESA STRONG3 | PO BOX 52 MACEDON, NY 14502 | AFLAC | $17 | — | $17 | 0.51% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $8 | — | $8 | 0.24% |
| PAULA LYNN BIRCHFIELD3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $8 | — | $8 | 0.24% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $5 | — | $5 | 0.15% |
| DANIEL P DUPRE3 | 4 BEDFORD WAY PITTSFORD, NY 14534 | AFLAC | $4 | — | $4 | 0.12% |
| EDWARD B LEAHY III3 | 85 ALLEN ST STE 210 ROCHESTER, NY 14608 | AFLAC | $4 | — | $4 | 0.12% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $3 | — | $3 | 0.09% |
| TED COLUCCI3 | 299 WISCONSIN ST ROCHESTER, NY 14609 | AFLAC | $2 | — | $2 | 0.06% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.03% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.03% |
| BRIAN MCLAUCHLAN3 | 303 FOREST DR NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $616 | $54 | $670 | 20.77% |
| 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 | $462 | — | $462 | 14.32% |
| SHEILA ANN WILSON3 | 36 SHARYL DR CENTRAL SQUARE, NY 13036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $99 | $16 | $115 | 3.56% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $102 | $5 | $107 | 3.32% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $63 | — | $63 | 4.83% |
| MATTHEW M YANINAS3 | 4854 CROSS ST CAMPBELL, NY 14821 | AFLAC | $60 | — | $60 | 4.60% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $10 | — | $10 | 0.77% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $2 | — | $2 | 0.15% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $2 | — | $2 | 0.15% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $1 | — | $1 | 0.08% |
| BRIAN MCLAUCHLAN3 | 303 FOREST DR NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $148 | $12 | $160 | 16.15% |
| 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 | $113 | — | $113 | 11.40% |
| SHEILA ANN WILSON3 | 36 SHARYL DR CENTRAL SQUARE, NY 13036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | $4 | $31 | 3.13% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $25 | $1 | $26 | 2.62% |
| BRIAN MCLAUCHLAN3 | 303 FOREST DR NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | $1 | $30 | 6.07% |
| 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 | $22 | — | $22 | 4.45% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 1.21% |
| SHEILA ANN WILSON3 | 36 SHARYL DR CENTRAL SQUARE, NY 13036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 1.01% |
| TERRENCE JAMES CONSIDINE3 | 23 STEWART PL CORTLAND, NY 13045 | AFLAC | $50 | — | $50 | 12.22% |
| JOSEPH P CALARCO3 | PO BOX 130 63 GENESEE ST STE 2 AUBURN, NY 13021 | AFLAC | $8 | — | $8 | 1.96% |
| ANTHONY M TESORIO SR3 | 535 CLUB SIDE DR NAPLES, FL 34410 | AFLAC | $5 | — | $5 | 1.22% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $2 | — | $2 | 0.49% |
| BRIAN MCLAUCHLAN3 | 303 FOREST DR NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $59 | — | $59 | 19.93% |
| 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 | $43 | — | $43 | 14.53% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | — | $10 | 3.38% |
| SHEILA ANN WILSON3 | 36 SHARYL DR CENTRAL SQUARE, NY 13036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | $1 | $10 | 3.38% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 86 | $1.2M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $144K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $127K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $147K |
| Short-term disability(6 contracts, 2 carriers) | AFLAC | 22 | $25K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 86 | $1.2M |
| Other(9 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.