| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $0 | $19K | $19K | 5.00% |
| MARK P FLURSCHUTZ3 | 13 HURD CIR AUBURN, NY 13021 | AFLAC | $19K | $1K | $20K | 12.24% |
| NICHOLAS CALARCO3 | 120 E WASHINGTON ST STE 822 SYRACUSE, NY 13202 | AFLAC | $6K | $330 | $6K | 3.92% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $4K | $330 | $4K | 2.52% |
| SUZANNE GOULD3 | 2741 SAND BEACH RD AUBURN, NY 13021 | AFLAC | $2K | $0 | $2K | 1.04% |
| SUSAN FOSTER FLURSCHUTZ3 | 13 HURD CIR AUBURN, NY 13021 | AFLAC | $305 | $0 | $305 | 0.18% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | AFLAC | $148 | $0 | $148 | 0.09% |
| PAUL D CLARK3 | 212 MARINEVIEW DR CHITTENANGO, NY 13037 | AFLAC | $144 | $0 | $144 | 0.09% |
| LAWRENCE D TIMPANO3 | TH 11 STANDART WOODS AUBURN, NY 13021 | AFLAC | $137 | $0 | $137 | 0.08% |
| ANTHONY M TESORIO SR3 | 16256 BONITA LANDING CIR BONITA SPRINGS, FL 34135 | AFLAC | $132 | $0 | $132 | 0.08% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $124 | $0 | $124 | 0.08% |
| THOMAS JOSEPH MCNANEY3 | 4 REED ST MARCELLUS, NY 13108 | AFLAC | $120 | $0 | $120 | 0.07% |
| CHARLES L GRAY3 | 3122 MARIAS DR FORT WAYNE, IN 46815 | AFLAC | $111 | $0 | $111 | 0.07% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $76 | $0 | $76 | 0.05% |
| EDWARD HELINSKI3 | 7369 OWASCO RD AUBURN, NY 13021 | AFLAC | $61 | $0 | $61 | 0.04% |
| PERRY L KANFER3 | 525 PLUM ST APT 506 SYRACUSE, NY 13204 | AFLAC | $57 | $0 | $57 | 0.03% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $38 | $0 | $38 | 0.02% |
| MICHAEL P BLATTENBERGER3 | 16446 E PHILLIPS PL ENGLEWOOD, CO 80112 | AFLAC | $28 | $0 | $28 | 0.02% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $27 | $0 | $27 | 0.02% |
| LAURA LAURIE3 | 1212 GRIMSBY CT BEL AIR, MD 21014 | AFLAC | $16 | $0 | $16 | 0.01% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $12 | $0 | $12 | 0.01% |
| PATRICIA DOXZEN3 | 10 THEO LN TOWSON, MD 21204 | AFLAC | $7 | $0 | $7 | 0.00% |
| DAVID B PERLEE3 | 1989 NEPTUNE DR ENGLEWOOD, FL 34223 | AFLAC | $6 | $0 | $6 | 0.00% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $4 | $0 | $4 | 0.00% |
| DAVID SCHENKEL JR3 | 4000 BLACKBURN LN STE 260 BURTONSVILLE, MD 20866 | AFLAC | $4 | $0 | $4 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $3 | $0 | $3 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $3 | $0 | $3 | 0.00% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $2 | $0 | $2 | 0.00% |
| RUSSELL T BARRETT3 | 37 JESSICA TRCE GANSEVOORT, NY 12831 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARK P FLURSCHUTZ3 | 13 HURD CIR AUBURN, NY 13021 | AFLAC | $13K | $2K | $15K | 16.17% |
| NICHOLAS CALARCO3 | 120 E WASHINGTON ST STE 822 SYRACUSE, NY 13202 | AFLAC | $5K | $224 | $5K | 5.51% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $3K | $224 | $3K | 3.25% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | AFLAC | $749 | $0 | $749 | 0.83% |
| SUSAN FOSTER FLURSCHUTZ3 | 13 HURD CIR AUBURN, NY 13021 | AFLAC | $389 | $0 | $389 | 0.43% |
| SUZANNE GOULD3 | 2741 SAND BEACH RD AUBURN, NY 13021 | AFLAC | $304 | $0 | $304 | 0.33% |
| MARY R COLEMAN3 | 6957 W LEONSHIRE LN HOMOSASSA, FL 34446 | AFLAC | $51 | $0 | $51 | 0.06% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $50 | $0 | $50 | 0.06% |
| BRENDA MALANEY GORE3 | 717 S CLUB HOUSE RD VIRGINIA BEACH, VA 23452 | AFLAC | $44 | $0 | $44 | 0.05% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $40 | $0 | $40 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 159 WOLF RD STE 200 ALBANY, NY 12205 | AFLAC | $40 | $0 | $40 | 0.04% |
| KRISTA ANNE ROTONDI3 | 5 HEMPHILL PL STE 220 BALLSTON SPA, NY 12020 | AFLAC | $27 | $0 | $27 | 0.03% |
| DAVID A COLLISON3 | 46 JOHNSTONE LN GEORGETOWN, SC 29440 | AFLAC | $23 | $0 | $23 | 0.03% |
| THOMAS JOSEPH MCNANEY3 | 4 REED ST MARCELLUS, NY 13108 | AFLAC | $20 | $0 | $20 | 0.02% |
| RONALD V. SANTINO3 Filed as: RONALD V SANTINO | 218 WINCHESTER DR NEW HARTFORD, NY 13413 | AFLAC | $17 | $0 | $17 | 0.02% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $16 | $0 | $16 | 0.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $12 | $0 | $12 | 0.01% |
| DAVID WEINGARTNER3 Filed as: DAVID M WEINGARTNER | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $12 | $0 | $12 | 0.01% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $10 | $0 | $10 | 0.01% |
| MARY FRANCES CARLTON3 | 3824 HOGAN RD VERNON CENTER, NY 13477 | AFLAC | $9 | $0 | $9 | 0.01% |
| SUSAN M TODD-BEDELL3 | 249 N BALLSTON AVE SCOTIA, NY 12302 | AFLAC | $9 | $0 | $9 | 0.01% |
| DANA E ERO3 | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $8 | $0 | $8 | 0.01% |
| JENNIE E RUSSO3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $7 | $0 | $7 | 0.01% |
| DAVID M COUGHLIN3 | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $7 | $0 | $7 | 0.01% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $5 | $0 | $5 | 0.01% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI ST SYRACUSE, NY 13203 | AFLAC | $5 | $0 | $5 | 0.01% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $0 | $5 | $5 | 0.01% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $3 | $0 | $3 | 0.00% |
| DAVID GIBIDES3 | 2305 LIBERTY CT NORRISTOWN, PA 19403 | AFLAC | $3 | $0 | $3 | 0.00% |
| RUSSELL T BARRETT3 | 37 JESSICA TRCE GANSEVOORT, NY 12831 | AFLAC | $2 | $0 | $2 | 0.00% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 863 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 867 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 862 | $381K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 862 | $546K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 862 | $472K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 862 | — |
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.