| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS CALARCO3 | 162 YORK STREET AUBURN, NY 13021 | AFLAC | $6K | $291 | $6K | 6.35% |
| MARK P FLURSCHUTZ3 | 13 HURD CIRCLE AUBURN, NY 13021 | AFLAC | $4K | $80 | $4K | 4.29% |
| SUZANNE GOULD3 | 2741 SAND BEACH RD AUBURN, NY 13021 | AFLAC | $4K | — | $4K | 3.74% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $2K | $77 | $2K | 2.56% |
| THOMAS JOSEPH MCNANEY3 | 4 REED STREET MARCELLUS, NY 13108 | AFLAC | $2K | $230 | $2K | 2.07% |
| ANTHONY M TESORIO SR3 Filed as: ANTHONY TESORIO | 535 CLUB SIDE DR NAPLES, FL 34110 | AFLAC | $360 | — | $360 | 0.38% |
| LAWRENCE D TIMPANO3 | TH 11 STANDART WOODS AUBURN, NY 13021 | AFLAC | $197 | — | $197 | 0.21% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | AFLAC | $194 | — | $194 | 0.21% |
| PAUL D CLARK3 | 8171 SALT SPRINGS RD MANLIUS, NY 13104 | AFLAC | $192 | — | $192 | 0.20% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $189 | — | $189 | 0.20% |
| CHARLES L GRAY3 | 105 DAVENTRY LN STE 100 LOUISVILLE, KY 40223 | AFLAC | $177 | — | $177 | 0.19% |
| PERRY L KANFER3 | 5918 E SENECA TPKE JAMESVILLE, NY 13078 | AFLAC | $113 | — | $113 | 0.12% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $75 | — | $75 | 0.08% |
| EDWARD HELINSKI3 | 7369 OWASCO RD AUBURN, NY 13021 | AFLAC | $72 | — | $72 | 0.08% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $64 | — | $64 | 0.07% |
| MICHAEL P BLATTENBERGER3 | 16446 EAST PHILLIPS PLACE ENGLEWOOD, CO 80112 | AFLAC | $52 | — | $52 | 0.06% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $50 | — | $50 | 0.05% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $27 | — | $27 | 0.03% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $23 | — | $23 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NE 12065 | AFLAC | $9 | — | $9 | 0.01% |
| SUSAN FOSTER FLURSCHUTZ3 | 13 HURD CIRCLE AUBURN, NY 13021 | AFLAC | $7 | — | $7 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $6 | — | $6 | 0.01% |
| JOHN B INFERRERA3 | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $5 | — | $5 | 0.01% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $5 | — | $5 | 0.01% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $4 | — | $4 | 0.00% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $2 | — | $2 | 0.00% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.00% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 NORTH CLINTON ST SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 3.05% |
| MARK P FLURSCHUTZ3 | 13 HURD CIRCLE AUBURN, NY 13021 | AFLAC | $4K | $80 | $4K | 11.08% |
| NICHOLAS CALARCO3 | 162 YORK STREET AUBURN, NY 13021 | AFLAC | $4K | $43 | $4K | 10.48% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $1K | $17 | $1K | 3.41% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR SUITE 100 ROCHESTER, NY 14625 | AFLAC | $1K | — | $1K | 3.29% |
| SUZANNE GOULD3 | 2741 SAND BEACH ROAD AUBURN, NY 13021 | AFLAC | $458 | — | $458 | 1.17% |
| THOMAS JOSEPH MCNANEY3 | 4 REED STREET MARCELLUS, NY 13108 | AFLAC | $401 | $39 | $440 | 1.13% |
| HANNAH LESCH3 | 14 MELROSE PARKWAY AUBURN, NY 13021 | AFLAC | $180 | — | $180 | 0.46% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $68 | — | $68 | 0.17% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $60 | — | $60 | 0.15% |
| DAVID A COLLISON3 | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $54 | — | $54 | 0.14% |
| ANDREW THOMAS3 | 4802 BURRSTONE ROAD SYRACUSE, NY 13215 | AFLAC | $52 | — | $52 | 0.13% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $42 | — | $42 | 0.11% |
| RONALD V. SANTINO3 Filed as: RONALD SANTINO | 141 EASTWOOD AVE UTICA, NY 13501 | AFLAC | $34 | — | $34 | 0.09% |
| MARY FRANCES CARLTON3 | 3824 HOGAN RD VERNON CENTER, NY 13477 | AFLAC | $33 | — | $33 | 0.08% |
| GIBIDES INC3 | PO BOX 331 ROYERSFORD, PA 19468 | AFLAC | $18 | — | $18 | 0.05% |
| JENNIE E RUSSO3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $17 | — | $17 | 0.04% |
| DAVID M COUGHLIN3 | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $15 | — | $15 | 0.04% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $14 | — | $14 | 0.04% |
| DAVID WEINGARTNER3 | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $14 | — | $14 | 0.04% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $13 | — | $13 | 0.03% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $11 | — | $11 | 0.03% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI STREET SYRACUSE, NY 13203 | AFLAC | $11 | — | $11 | 0.03% |
| SUSAN FOSTER FLURSCHUTZ3 | 13 HURD CIRCLE AUBURN, NY 13021 | AFLAC | $8 | — | $8 | 0.02% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $1 | — | $1 | 0.00% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $1 | — | $1 | 0.00% |
| KENNETH J HANNAN3 | 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 | 820 | 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) | 832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 12 | $61K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 820 | $101K |
| Short-term disability | AFLAC | 144 | $94K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 12 | $61K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 583 | $297K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 820 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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.