| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK P FLURSCHUTZ3 | 13 HURD CIRCLE AUBURN, NY 13021 | AFLAC | $10K | $775 | $11K | 8.08% |
| SUZANNE GOULD3 | 2741 SAND BEACH RD AUBURN, NY 13021 | AFLAC | $4K | — | $4K | 2.78% |
| NICHOLAS CALARCO3 | 162 YORK STREET AUBURN, NY 13021 | AFLAC | $3K | $59 | $4K | 2.59% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $3K | $124 | $3K | 2.50% |
| SUSAN FOSTER FLURSCHUTZ3 | 13 HURD CIRCLE AUBURN, NY 13021 | AFLAC | $3K | $272 | $3K | 2.48% |
| CHRISTINA MARIE ELLIS3 | 8622 PLAINVILLE RD BALDWINSVILLE, NY 13027 | AFLAC | $1K | — | $1K | 1.03% |
| ANTHONY M TESORIO SR3 | 535 CLUB SIDE DR NAPLES, FL 34110 | AFLAC | $357 | — | $357 | 0.26% |
| THOMAS JOSEPH MCNANEY3 | 4 REED STREET MARCELLUS, NY 13108 | AFLAC | $173 | $92 | $265 | 0.19% |
| LAWRENCE D TIMPANO3 | TH 11 STANDART WOODS AUBURN, NY 13021 | AFLAC | $237 | — | $237 | 0.17% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | AFLAC | $191 | — | $191 | 0.14% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $184 | — | $184 | 0.13% |
| PAUL D CLARK3 | 8171 SALT SPRINGS RD MANLIUS, NY 13104 | AFLAC | $181 | — | $181 | 0.13% |
| CHARLES L GRAY3 | 105 DAVENTRY LN STE 100 LOUISVILLE, KY 40223 | AFLAC | $173 | — | $173 | 0.13% |
| PERRY L KANFER3 | 525 PLUM ST APT 506 SYRACUSE, NY 13204 | AFLAC | $133 | — | $133 | 0.10% |
| EDWARD HELINSKI3 | 7369 OWASCO RD AUBURN, NY 13021 | AFLAC | $84 | — | $84 | 0.06% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $82 | — | $82 | 0.06% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $73 | — | $73 | 0.05% |
| TIMOTHY SMITH3 | 7 CAMERON ST AUBURN, NY 13021 | AFLAC | $69 | — | $69 | 0.05% |
| MICHAEL P BLATTENBERGER3 | 16446 EAST PHILLIPS PLACE ENGLEWOOD, CO 80112 | AFLAC | $54 | — | $54 | 0.04% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $35 | — | $35 | 0.03% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $28 | — | $28 | 0.02% |
| STEPHEN R CONNORS3 Filed as: STEPHEN R CONNERS | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $14 | — | $14 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NE 12065 | AFLAC | $8 | — | $8 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $8 | — | $8 | 0.01% |
| JOHN B INFERRERA3 | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $6 | — | $6 | 0.00% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $5 | — | $5 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $4 | — | $4 | 0.00% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $10K | $10K | 8.44% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $5K | $5K | 4.85% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 4.87% |
| MARK P FLURSCHUTZ3 | 13 HURD CIRCLE AUBURN, NY 13021 | AFLAC | $8K | $326 | $9K | 14.03% |
| NICHOLAS CALARCO3 | 162 YORK STREET AUBURN, NY 13021 | AFLAC | $3K | $10 | $3K | 4.41% |
| SUSAN FOSTER FLURSCHUTZ3 | 13 HURD CIRCLE AUBURN, NY 13021 | AFLAC | $2K | $140 | $3K | 4.21% |
| JOSEPH P CALARCO3 | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $2K | $42 | $2K | 3.46% |
| 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 | 2.14% |
| CHRISTINA MARIE ELLIS3 | 8622 PLAINVILLE RD BALDWINSVILLE, NY 13027 | AFLAC | $769 | — | $769 | 1.26% |
| SUZANNE GOULD3 | 2741 SAND BEACH ROAD AUBURN, NY 13021 | AFLAC | $502 | — | $502 | 0.82% |
| HANNAH LESCH3 | 14 MELROSE PARKWAY AUBURN, NY 13021 | AFLAC | $83 | $14 | $97 | 0.16% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $83 | — | $83 | 0.14% |
| ANDREW THOMAS3 | 4802 BURRSTONE ROAD SYRACUSE, NY 13215 | AFLAC | $57 | — | $57 | 0.09% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $51 | — | $51 | 0.08% |
| DAVID A COLLISON3 | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $42 | — | $42 | 0.07% |
| THOMAS JOSEPH MCNANEY3 | 4 REED STREET MARCELLUS, NY 13108 | AFLAC | $31 | $10 | $41 | 0.07% |
| MARY FRANCES CARLTON3 | 3824 HOGAN RD VERNON CENTER, NY 13477 | AFLAC | $40 | — | $40 | 0.07% |
| RONALD V. SANTINO3 Filed as: RONALD SANTINO | 141 EASTWOOD AVE UTICA, NY 13501 | AFLAC | $37 | — | $37 | 0.06% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $36 | — | $36 | 0.06% |
| JENNIE E RUSSO3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $18 | — | $18 | 0.03% |
| GIBIDES INC3 | PO BOX 331 ROYERSFORD, PA 19468 | AFLAC | $17 | — | $17 | 0.03% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $15 | — | $15 | 0.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $14 | — | $14 | 0.02% |
| DAVID M COUGHLIN3 | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $12 | — | $12 | 0.02% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $12 | — | $12 | 0.02% |
| DAVID WEINGARTNER3 | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $12 | — | $12 | 0.02% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI STREET SYRACUSE, NY 13203 | AFLAC | $12 | — | $12 | 0.02% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $6 | — | $6 | 0.01% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | 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% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 NORTH CLINTON ST SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 3.55% |
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 | 798 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 812 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 12 | $55K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 798 | $158K |
| Short-term disability | AFLAC | 156 | $136K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 769 | $123K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 12 | $55K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 554 | $287K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 798 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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.