| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUZANNE GOULD3 | 2741 SAND BEACH RD AUBURN, NY 13021 | AFLAC | $8K | $317 | $9K | 9.48% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 12 ARTERIAL EAST PO BOX 130 AUBURN, NY 13021 | AFLAC | $2K | $63 | $2K | 2.09% |
| NICHOLAS CALARCO3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $2K | $63 | $2K | 1.72% |
| ANTHONY M TESORIO SR3 Filed as: ANTHONY TESORIO | 5799 EAST LAKE ROAD AUBURN, NY 13021 | AFLAC | $647 | — | $647 | 0.71% |
| ANN TIMPANO3 | TH11 STANDART WOODS AUBURN, NY 13021 | AFLAC | $337 | — | $337 | 0.37% |
| DONALD H MATSON3 Filed as: DONALD MATSON | 8 ROSEWOOD DR AUBURN, NY 13021 | AFLAC | $329 | — | $329 | 0.36% |
| PAUL D CLARK3 Filed as: PAUL CLARK | 8171 SALT SPRINGS RD MANLIUS, NY 13104 | AFLAC | $320 | — | $320 | 0.35% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $302 | — | $302 | 0.33% |
| CHARLES D. BLOCK3 Filed as: CHARLES GRAY | 105 DAVENTRY LN STE 100 LOUISVILLE, KY 40223 | AFLAC | $275 | — | $275 | 0.30% |
| ANDREW THOMAS3 | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $151 | — | $151 | 0.17% |
| PERRY L KANFER3 | 7695 FOXTAIL TINES LIVERPOOL, NY 13090 | AFLAC | $130 | — | $130 | 0.14% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $119 | — | $119 | 0.13% |
| EDWARD HELINSKI3 | 7369 OWASCO RD AUBURN, NY 13021 | AFLAC | $97 | — | $97 | 0.11% |
| STEVEN DALABA3 | 1215 PEBBLE MEADOWS DRIVE LEWISVILLE, NC 27023 | AFLAC | $86 | — | $86 | 0.09% |
| MICHAEL P BLATTENBERGER3 Filed as: MICHAEL BLATTENBERGER | 16446 EAST PHILLIPS PLACE ENGLEWOOD, CO 80112 | AFLAC | $58 | — | $58 | 0.06% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 333 GLEN STREET SUITE 201 GLENS FALLS, NY 12801 | AFLAC | $8 | — | $8 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NE 12065 | AFLAC | $3 | — | $3 | 0.00% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY ROAD PITTSFORD, NE 14534 | AFLAC | $1 | — | $1 | 0.00% |
| LAURIE SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $1 | — | $1 | 0.00% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL G RYAN3 Filed as: MICHAEL RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $0 | — | $0 | 0.00% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $0 | — | $0 | 0.00% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PARK STE 400 FAIRPORT, NY 14450 | AFLAC | $3K | — | $3K | 8.72% |
| SUZANNE GOULD3 | 2741 SAND BEACH ROAD AUBURN, NY 13021 | AFLAC | $2K | — | $2K | 5.86% |
| NICHOLAS CALARCO3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $543 | — | $543 | 1.53% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 13 ARTERIAL EAST PO BOX 130 AUBURN, NY 13021 | AFLAC | $373 | — | $373 | 1.05% |
| DEBRA PARKER3 | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $207 | $65 | $272 | 0.77% |
| DAWN PELLERIN3 | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $222 | — | $222 | 0.62% |
| DANIEL WILEY3 | 22113 FABCO ROAD WATERTOWN, NY 13601 | AFLAC | $179 | — | $179 | 0.50% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | AFLAC | $108 | — | $108 | 0.30% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $85 | — | $85 | 0.24% |
| DAVID A COLLISON3 | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $79 | — | $79 | 0.22% |
| ANDREW THOMAS3 | 101 OLD COVE ROAD STE 114 LIVERPOOL, NY 13090 | AFLAC | $52 | — | $52 | 0.15% |
| RONALD V. SANTINO3 Filed as: RONALD SANTINO | 141 EASTWOOD AVE UTICA, NY 13501 | AFLAC | $34 | — | $34 | 0.10% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $29 | — | $29 | 0.08% |
| MARY FRANCES CARLTON3 Filed as: MARY CARLTON | 3824 HOGAN RD VERNON CENTER, NY 13477 | AFLAC | $29 | — | $29 | 0.08% |
| GIBIDES INC3 | 1901 CRAG BURN LN RALEIGH, NC 27604 | AFLAC | $28 | — | $28 | 0.08% |
| BRIAN MCLAUCHLAN3 | 303 FOREST DRIVE NORTH SYRACUSE, NY 13212 | AFLAC | $25 | — | $25 | 0.07% |
| DAVID M COUGHLIN3 | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $21 | — | $21 | 0.06% |
| DAVID WEINGARTNER3 | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $20 | — | $20 | 0.06% |
| JENNIE E RUSSO3 Filed as: JENNIE RUSSO | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $17 | — | $17 | 0.05% |
| THE WLADIS GEORGE L COMPANY INC3 | 528 PLUM COURT #250 SYRACUSE, NY 13204 | AFLAC | $13 | — | $13 | 0.04% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI STREET SYRACUSE, NY 13203 | AFLAC | $11 | — | $11 | 0.03% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $6 | — | $6 | 0.02% |
| STEVEN DALABA3 | 1215 PEBBLE MEADOWS DRIVE LEWISVILLE, NC 27023 | AFLAC | $5 | — | $5 | 0.01% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 333 GLEN STREET SUITE 201 GLENS FALLS, NY 12801 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $1 | — | $1 | 0.00% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.00% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $0 | — | $0 | 0.00% |
| LAURIE SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $0 | — | $0 | 0.00% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $0 | — | $0 | 0.00% |
| KENNETH J HANNAN3 Filed as: KENNETH HANNAN | 5 FRIAR TUCK COURT CLIFTON PARK, NY 12065 | AFLAC | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUECROSS BLUESHIELD EIN 15-0329043 TPA | Claims processing Service code 12 | — | $290K |
| DELTA DENTAL OF NEW YORK EIN 11-1980218 TPA | Claims processing Service code 12 | — | $23K |
| KEENAN RX COALITION | Other fees Service code 99 | PO BOX 4328 TORRANCE, CA 90510 | $20K |
| EXPRESS SCRIPTS EIN 45-2884094 TPA | Claims processing Service code 12 | — | $19K |
| BRIDGES EAP | Other fees Service code 99 | 112 FARRIER AVENUE SUITE 314 ONEIDA, NM 13421 | $14K |
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 | 546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 20 | $79K |
| Short-term disability | AFLAC | 121 | $91K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 548 | $227K |
| Other | AFLAC | 75 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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."
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.