| 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 | $41K | — | $41K | 4.16% |
| 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 | $5K | $11K | 10.66% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS RD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $40 | — | $40 | 1.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 401 S. MAIN STREET NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $31 | — | $31 | 1.02% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.30% |
| SHEILA ANN WILSON3 | 36 SHARYL DRIVE CENTRAL SQUARE, NY 13036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.23% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS RD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $131 | — | $131 | 4.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 401 S. MAIN STREET NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $102 | — | $102 | 3.37% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13207 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.96% |
| SHEILA ANN WILSON3 | 36 SHARYL DRIVE CENTRAL SQUARE, NY 13036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.73% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS RD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $112 | $1 | $113 | 5.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 401 S. MAIN STREET NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $93 | — | $93 | 4.71% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $38 | $3 | $41 | 2.08% |
| SHEILA ANN WILSON3 | 36 SHARYL DRIVE CENTRAL SQUARE, NY 13036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.71% |
| PERRY L KANFER3 | 525 PLUM STREET SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | $3 | $9 | 0.46% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $35 | — | $35 | 4.77% |
| MATTHEW M YANINAS3 | 4854 CROSS ST CAMPBELL, NY 14821 | AFLAC | $34 | — | $34 | 4.64% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $6 | — | $6 | 0.82% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $1 | — | $1 | 0.14% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $1 | — | $1 | 0.14% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 84 | $979K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $104K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $104K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $104K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 84 | $979K |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.