| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUZANNE GOULD3 | 2741 SAND BEACH RD AUBURN, NY 13021 | AFLAC | $9K | $546 | $10K | 10.25% |
| NICHOLAS CALARCO3 | 30 GRANT ST AUBURN, NY 13021 | AFLAC | $2K | $109 | $2K | 2.21% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 63 GENESEE ST, STE 2 PO BOX 130 AUBURN, NY 13021 | AFLAC | $2K | $109 | $2K | 2.15% |
| ANTHONY M TESORIO SR3 Filed as: ANTHONY TESORIO | 535 CLUB SIDE DR NAPLES, FL 34110 | AFLAC | $468 | — | $468 | 0.48% |
| ANN TIMPANO3 | 233 QUINCY PL LIVERPOOL, NY 13088 | AFLAC | $305 | — | $305 | 0.31% |
| PAUL D CLARK3 Filed as: PAUL CLARK | 8171 SALT SPRINGS RD MANLIUS, NY 13104 | AFLAC | $297 | — | $297 | 0.30% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $269 | — | $269 | 0.28% |
| DONALD H MATSON3 Filed as: DONALD MATSON | 8 ROSEWOOD DR AUBURN, NY 13021 | AFLAC | $264 | — | $264 | 0.27% |
| CHARLES D. BLOCK3 Filed as: CHARLES GRAY | 105 DAVENTRY LN STE 100 LOUISVILLE, KY 40223 | AFLAC | $256 | — | $256 | 0.26% |
| ANDREW THOMAS3 | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $151 | — | $151 | 0.15% |
| PERRY L KANFER3 | 7695 FOXTAIL TINES LIVERPOOL, NY 13090 | AFLAC | $123 | — | $123 | 0.13% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $98 | — | $98 | 0.10% |
| STEVEN DALABA3 | 405 CRAVER POINTE DR CLEMMONS, NC 27012 | AFLAC | $95 | — | $95 | 0.10% |
| EDWARD HELINSKI3 | 7369 OWASCO RD AUBURN, NY 13021 | AFLAC | $72 | — | $72 | 0.07% |
| MICHAEL P BLATTENBERGER3 Filed as: MICHAEL BLATTENBERGER | 16446 EAST PHILLIPS PLACE ENGLEWOOD, CO 80112 | AFLAC | $56 | — | $56 | 0.06% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $35 | — | $35 | 0.04% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NE 12065 | AFLAC | $13 | — | $13 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $8 | — | $8 | 0.01% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $7 | — | $7 | 0.01% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $5 | — | $5 | 0.01% |
| LAURIE SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $4 | — | $4 | 0.00% |
| MICHAEL G RYAN3 Filed as: MICHAEL RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $2 | — | $2 | 0.00% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.00% |
| SUZANNE GOULD3 | 2741 SAND BEACH ROAD AUBURN, NY 13021 | AFLAC | $2K | $260 | $2K | 7.65% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PARK STE 400 FAIRPORT, NY 14450 | AFLAC | $2K | — | $2K | 6.21% |
| NICHOLAS CALARCO3 | 30 GRANT ST AUBURN, NY 13021 | AFLAC | $622 | $52 | $674 | 2.22% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 63 GENESEE ST, STE 2 P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $386 | $52 | $438 | 1.44% |
| DAWN PELLERIN3 | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $132 | — | $132 | 0.44% |
| DEBRA PARKER3 | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $115 | — | $115 | 0.38% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | AFLAC | $108 | — | $108 | 0.36% |
| DAVID A COLLISON3 | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $64 | — | $64 | 0.21% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $56 | — | $56 | 0.18% |
| ANDREW THOMAS3 | 101 OLD COVE ROAD STE 114 LIVERPOOL, NY 13090 | AFLAC | $48 | — | $48 | 0.16% |
| RONALD V. SANTINO3 Filed as: RONALD SANTINO | 141 EASTWOOD AVE UTICA, NY 13501 | AFLAC | $31 | — | $31 | 0.10% |
| MARY FRANCES CARLTON3 Filed as: MARY CARLTON | 3824 HOGAN RD VERNON CENTER, NY 13477 | AFLAC | $27 | — | $27 | 0.09% |
| GIBIDES INC3 | 1901 CRAG BURN LN RALEIGH, NC 27604 | AFLAC | $27 | — | $27 | 0.09% |
| DAVID M COUGHLIN3 | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $18 | — | $18 | 0.06% |
| STEVEN DALABA3 | 405 CRAVER POINTE DR CLEMMONS, NC 27012 | AFLAC | $18 | — | $18 | 0.06% |
| DAVID WEINGARTNER3 | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $16 | — | $16 | 0.05% |
| JENNIE E RUSSO3 Filed as: JENNIE RUSSO | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $15 | — | $15 | 0.05% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $14 | — | $14 | 0.05% |
| THE WLADIS GEORGE L COMPANY INC3 | 528 PLUM ST STE 250 SYRACUSE, NY 13204 | AFLAC | $12 | — | $12 | 0.04% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI STREET SYRACUSE, NY 13203 | AFLAC | $10 | — | $10 | 0.03% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $6 | — | $6 | 0.02% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $5 | — | $5 | 0.02% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN MCLAUCHLAN3 | 303 FOREST DRIVE NORTH SYRACUSE, NY 13212 | AFLAC | $1 | — | $1 | 0.00% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.00% |
| LAURIE SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.00% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | 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% |
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 | 543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 18 | $87K |
| Short-term disability | AFLAC | 119 | $97K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 18 | $84K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 543 | $234K |
| Other | AFLAC | 65 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.