| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $5K | $5K | 5.00% |
| MARK P FLURSCHUTZ3 | 13 HURD CIRCLE AUBURN, NY 13021 | AFLAC | $9K | $351 | $10K | 10.23% |
| NICHOLAS CALARCO3 | 162 YORK STREET AUBURN, NY 13021 | AFLAC | $3K | $21 | $3K | 3.10% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $2K | $117 | $2K | 2.40% |
| SUZANNE GOULD3 | 2741 SAND BEACH RD AUBURN, NY 13021 | AFLAC | $2K | — | $2K | 1.84% |
| SUSAN FOSTER FLURSCHUTZ3 | 13 HURD CIRCLE AUBURN, NY 13021 | AFLAC | $122 | $119 | $241 | 0.26% |
| CHRISTINA MARIE ELLIS3 | 8622 PLAINVILLE RD BALDWINSVILLE, NY 13027 | AFLAC | $157 | $29 | $186 | 0.20% |
| ANTHONY M TESORIO SR3 | 535 CLUB SIDE DR NAPLES, FL 34110 | AFLAC | $136 | — | $136 | 0.14% |
| LAWRENCE D TIMPANO3 | TH 11 STANDART WOODS AUBURN, NY 13021 | AFLAC | $134 | — | $134 | 0.14% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | AFLAC | $120 | — | $120 | 0.13% |
| PAUL D CLARK3 | 8171 SALT SPRINGS RD MANLIUS, NY 13104 | AFLAC | $118 | — | $118 | 0.13% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $113 | — | $113 | 0.12% |
| TIMOTHY SMITH3 | 7 CAMERON ST AUBURN, NY 13021 | AFLAC | $86 | $26 | $112 | 0.12% |
| THOMAS JOSEPH MCNANEY3 | 4 REED STREET MARCELLUS, NY 13108 | AFLAC | $111 | — | $111 | 0.12% |
| CHARLES L GRAY3 | 105 DAVENTRY LN STE 100 LOUISVILLE, KY 40223 | AFLAC | $106 | — | $106 | 0.11% |
| PERRY L KANFER3 | 525 PLUM ST APT 506 SYRACUSE, NY 13204 | AFLAC | $68 | — | $68 | 0.07% |
| EDWARD HELINSKI3 | 7369 OWASCO RD AUBURN, NY 13021 | AFLAC | $54 | — | $54 | 0.06% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $41 | — | $41 | 0.04% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $40 | — | $40 | 0.04% |
| LAURA LAURIE3 | 1212 GRIMSBY CT BEL AIR, MD 21014 | AFLAC | $5 | $32 | $37 | 0.04% |
| MICHAEL P BLATTENBERGER3 | 16446 EAST PHILLIPS PLACE ENGLEWOOD, CO 80112 | AFLAC | $31 | — | $31 | 0.03% |
| STEPHEN R CONNORS3 Filed as: STEPHEN R CONNERS | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $16 | $6 | $22 | 0.02% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $20 | — | $20 | 0.02% |
| PATRICIA DOXZEN3 | 11504 SAINT DAVIDS LN LUTHERVILLE, MD 21093 | AFLAC | $16 | — | $16 | 0.02% |
| DAVID SCHENKEL JR3 | 4000 BLACKBURN LN STE 260 BURTONSVILLE, MD 20866 | AFLAC | $9 | $7 | $16 | 0.02% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $13 | — | $13 | 0.01% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $6 | — | $6 | 0.01% |
| JOHN B INFERRERA3 | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $4 | — | $4 | 0.00% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $4 | — | $4 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID B PERLEE3 | 1989 NEPTUNE DR ENGLEWOOD, FL 34223 | AFLAC | $3 | — | $3 | 0.00% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NE 12065 | AFLAC | $2 | — | $2 | 0.00% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.00% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL G RYAN3 | PO BOX 60 CHROMO, CO 81128 | AFLAC | $0 | — | $0 | 0.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 5.00% |
| MARK P FLURSCHUTZ3 Filed as: MARK FLURSCHUTZ | 13 HURD CIRCLE AUBURN, NY 13021 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $11K | $207 | $11K | 19.66% |
| NICHOLAS CALARCO3 | 162 YORK STREET AUBURN, NY 13021 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $3K | $8 | $3K | 5.82% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | P.O. BOX 130 AUBURN, NY 13021 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $2K | $71 | $2K | 3.82% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR SUITE 100 ROCHESTER, NY 14625 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $765 | — | $765 | 1.38% |
| SUZANNE GOULD3 | 2741 SAND BEACH ROAD AUBURN, NY 13021 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $259 | — | $259 | 0.47% |
| SUSAN FOSTER FLURSCHUTZ3 Filed as: SUSAN FLURSCHUTZ | 13 HURD CIRCLE AUBURN, NY 13021 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $157 | $89 | $246 | 0.45% |
| CHRISTINA MARIE ELLIS3 Filed as: CHRISTINA ELLIS | 8622 PLAINVILLE RD BALDWINSVILLE, NY 13027 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $78 | $13 | $91 | 0.16% |
| DEBRA PARKER3 | 20 BOWEN STREET AUBURN, NY 13021 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $54 | — | $54 | 0.10% |
| ANDREW THOMAS3 | 4802 BURRSTONE ROAD SYRACUSE, NY 13215 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $46 | — | $46 | 0.08% |
| RONALD V. SANTINO3 Filed as: RONALD SANTINO | 141 EASTWOOD AVE UTICA, NY 13501 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $28 | — | $28 | 0.05% |
| MARY FRANCES CARLTON3 Filed as: MARY CARLTON | 3824 HOGAN RD VERNON CENTER, NY 13477 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $27 | — | $27 | 0.05% |
| DAVID A COLLISON3 | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $23 | — | $23 | 0.04% |
| DAWN PELLERIN3 | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $21 | — | $21 | 0.04% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $20 | — | $20 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 159 WOLF RD STE 200 ALBANY, NY 12205 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $20 | — | $20 | 0.04% |
| THOMAS JOSEPH MCNANEY3 Filed as: THOMAS MCNANEY | 4 REED STREET MARCELLUS, NY 13108 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $18 | — | $18 | 0.03% |
| SUSAN M TODD-BEDELL3 Filed as: SUSAN TODD-BEDELL | 249 N BALLSTON AVE SCOTIA, NY 12302 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $17 | — | $17 | 0.03% |
| THE ESTATE OF DANA E ERO3 | 174 MAIN ST PO BOX 322 SCHAGHTICOKE, NY 12154 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $15 | — | $15 | 0.03% |
| JENNIE E RUSSO3 Filed as: JENNIE RUSSO | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $13 | — | $13 | 0.02% |
| KRISTA ANNE ROTONDI3 Filed as: KRISTA ROTONDI | 5 HEMPHILL PL STE 220 BALLSTON SPA, NY 12020 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $13 | — | $13 | 0.02% |
| MARY R COLEMAN3 Filed as: MARY COLEMAN | 44 RIDGE RD RENSSELAER, NY 12144 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $12 | — | $12 | 0.02% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $11 | — | $11 | 0.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $10 | — | $10 | 0.02% |
| BRENDA MALANEY GORE3 | 717 S CLUB HOUSE RD VIRGINIA BEACH, VA 23452 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $10 | — | $10 | 0.02% |
| DAVID GIBIDES3 | 2305 LIBERTY CT NORRISTOWN, PA 19403 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $9 | — | $9 | 0.02% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI STREET SYRACUSE, NY 13203 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $8 | — | $8 | 0.01% |
| DAVID M COUGHLIN3 | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $7 | — | $7 | 0.01% |
| STEVEN DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $7 | — | $7 | 0.01% |
| DAVID WEINGARTNER3 | 15 DAVID DR JOHNSON CITY, NY 13790 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $6 | — | $6 | 0.01% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $4 | — | $4 | 0.01% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $2 | — | $2 | 0.00% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY RD PITTSFORD, NY 14534 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $1 | — | $1 | 0.00% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $1 | — | $1 | 0.00% |
| LAURIE SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $0 | — | $0 | 0.00% |
| KENNETH J HANNAN3 Filed as: KENNETH HANNAN | 5 FRIAR TUCK COURT CLIFTON PARK, NY 12065 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $0 | — | $0 | 0.00% |
| LAURA ANNE CALARCO3 Filed as: LAURA CALARCO | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $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 | 2.87% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 5.00% |
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 | 783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 789 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 11 | $53K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 810 | $103K |
| Short-term disability | AFLAC | 195 | $94K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 788 | $104K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 11 | $53K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 582 | $282K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 810 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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.