| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $34K | $34K | 11.28% |
| MARK P FLURSCHUTZ3 | 13 HURD CIRCLE AUBURN, NY 13021 | AFLAC | $25K | $1K | $27K | 13.83% |
| NICHOLAS CALARCO3 | 162 YORK STREET AUBURN, NY 13021 | AFLAC | $7K | $246 | $7K | 3.89% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $5K | $246 | $5K | 2.66% |
| SUZANNE GOULD3 | 2741 SAND BEACH RD AUBURN, NY 13021 | AFLAC | $2K | — | $2K | 1.22% |
| PAUL D CLARK3 | 8171 SALT SPRINGS RD MANLIUS, NY 13104 | AFLAC | $193 | — | $193 | 0.10% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | AFLAC | $186 | — | $186 | 0.10% |
| ANTHONY M TESORIO SR3 | 16256 BONITA LANDING CIR BONITA SPRINGS, FL 34135 | AFLAC | $183 | — | $183 | 0.10% |
| LAWRENCE D TIMPANO3 | TH 11 STANDART WOODS AUBURN, NY 13021 | AFLAC | $182 | — | $182 | 0.09% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $169 | — | $169 | 0.09% |
| CHARLES L GRAY3 | 105 DAVENTRY LN STE 100 LOUISVILLE, KY 40223 | AFLAC | $161 | — | $161 | 0.08% |
| THOMAS JOSEPH MCNANEY3 | 4 REED STREET MARCELLUS, NY 13108 | AFLAC | $151 | — | $151 | 0.08% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $104 | — | $104 | 0.05% |
| PERRY L KANFER3 | 525 PLUM ST APT 506 SYRACUSE, NY 13204 | AFLAC | $96 | — | $96 | 0.05% |
| EDWARD HELINSKI3 | 7369 OWASCO RD AUBURN, NY 13021 | AFLAC | $83 | — | $83 | 0.04% |
| LAURA LAURIE3 | 1212 GRIMSBY CT BEL AIR, MD 21014 | AFLAC | $54 | — | $54 | 0.03% |
| SUSAN FOSTER FLURSCHUTZ3 | 13 HURD CIRCLE AUBURN, NY 13021 | AFLAC | $51 | — | $51 | 0.03% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $50 | — | $50 | 0.03% |
| MICHAEL P BLATTENBERGER3 | 16446 EAST PHILLIPS PLACE ENGLEWOOD, CO 80112 | AFLAC | $48 | — | $48 | 0.03% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $45 | — | $45 | 0.02% |
| PATRICIA DOXZEN3 | 10 THEO LN TOWSON, MD 21204 | AFLAC | $35 | — | $35 | 0.02% |
| TIMOTHY SMITH3 | 11 LOCUST ST AUBURN, NY 13021 | AFLAC | $24 | — | $24 | 0.01% |
| DAVID SCHENKEL JR3 | 4000 BLACKBURN LN STE 260 BURTONSVILLE, MD 20866 | AFLAC | $20 | — | $20 | 0.01% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $19 | — | $19 | 0.01% |
| DAVID B PERLEE3 | 1989 NEPTUNE DR ENGLEWOOD, FL 34223 | AFLAC | $7 | — | $7 | 0.00% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $6 | — | $6 | 0.00% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $6 | — | $6 | 0.00% |
| STEPHEN R CONNORS3 Filed as: STEPHEN R CONNERS | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $4 | — | $4 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $4 | — | $4 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $4 | — | $4 | 0.00% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NE 12065 | AFLAC | $3 | — | $3 | 0.00% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.00% |
| MARK P FLURSCHUTZ3 Filed as: MARK FLURSCHUTZ | 13 HURD CIRCLE AUBURN, NY 13021 | AFLAC | $22K | $987 | $23K | 20.19% |
| NICHOLAS CALARCO3 | 162 YORK STREET AUBURN, NY 13021 | AFLAC | $7K | $229 | $7K | 6.33% |
| JOSEPH P CALARCO3 | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $4K | $229 | $4K | 3.87% |
| 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 | 0.94% |
| SUZANNE GOULD3 | 2741 SAND BEACH ROAD AUBURN, NY 13021 | AFLAC | $416 | — | $416 | 0.37% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $77 | — | $77 | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 159 WOLF RD STE 200 ALBANY, NY 12205 | AFLAC | $69 | — | $69 | 0.06% |
| ANDREW THOMAS3 | 4802 BURRSTONE ROAD SYRACUSE, NY 13215 | AFLAC | $60 | — | $60 | 0.05% |
| MARY R COLEMAN3 | 44 RIDGE RD RENSSELAER, NY 12144 | AFLAC | $60 | — | $60 | 0.05% |
| BRENDA MALANEY GORE3 | 717 S CLUB HOUSE RD VIRGINIA BEACH, VA 23452 | AFLAC | $53 | — | $53 | 0.05% |
| KRISTA ANNE ROTONDI3 | 5 HEMPHILL PL STE 220 BALLSTON SPA, NY 12020 | AFLAC | $47 | — | $47 | 0.04% |
| SUSAN FOSTER FLURSCHUTZ3 | 13 HURD CIRCLE AUBURN, NY 13021 | AFLAC | $45 | — | $45 | 0.04% |
| SUSAN M TODD-BEDELL3 | 249 N BALLSTON AVE SCOTIA, NY 12302 | AFLAC | $44 | — | $44 | 0.04% |
| RONALD V. SANTINO3 Filed as: RONALD V SANTINO | 5812 GRACE ROAD UTICA, NY 13502 | AFLAC | $40 | — | $40 | 0.04% |
| DANA E ERO3 | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $38 | — | $38 | 0.03% |
| DAVID A COLLISON3 | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $32 | — | $32 | 0.03% |
| THOMAS JOSEPH MCNANEY3 | 4 REED STREET MARCELLUS, NY 13108 | AFLAC | $26 | — | $26 | 0.02% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $24 | — | $24 | 0.02% |
| MARY FRANCES CARLTON3 | 3824 HOGAN RD VERNON CENTER, NY 13477 | AFLAC | $22 | — | $22 | 0.02% |
| JENNIE E RUSSO3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $19 | — | $19 | 0.02% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $15 | — | $15 | 0.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $15 | — | $15 | 0.01% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI STREET SYRACUSE, NY 13203 | AFLAC | $13 | — | $13 | 0.01% |
| DAVID WEINGARTNER3 Filed as: DAVID M WEINGARTNER | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $12 | — | $12 | 0.01% |
| DAVID GIBIDES3 | 2305 LIBERTY CT NORRISTOWN, PA 19403 | AFLAC | $10 | — | $10 | 0.01% |
| DAVID M COUGHLIN3 | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $9 | — | $9 | 0.01% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $9 | — | $9 | 0.01% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $8 | — | $8 | 0.01% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $4 | — | $4 | 0.00% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | — | $3 | 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% |
| 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 | $1K | — | $1K | 2.42% |
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 | 863 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 867 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 10 | $49K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 863 | $301K |
| Short-term disability | AFLAC | 212 | $192K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 863 | $301K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 10 | $49K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 573 | $301K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 863 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 863 | — |
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.