| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GEORGE L. WLADIS COMPANY, INC.3 Filed as: THE GEORGE L. WLADIS COMPANIES, INC | 528 PLUM COURT, SUITE 250 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | $88K | — | $88K | 2.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | EXCELLUS BLUECROSS BLUESHIELD | $16K | — | $16K | 0.39% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INS COMPANY OF AMERICA | $4K | $8K | $13K | 3.78% |
| DIGITAL INSURANCE LLC3 | 528 PLUM COURT SYRACUSE, NY 13204 | THE GUARDIAN LIFE INS COMPANY OF AMERICA | $11K | — | $11K | 3.45% |
| ANDREW THOMAS3 | 101 OLD COVE ROAD, SUITE 114 LIVERPOOL, NY 13090 | AFLAC | $17K | $689 | $18K | 11.89% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 63 GENESEE ST SUITE 2 PO BOX 130 AUBURN, NY 13021 | AFLAC | $3K | $173 | $4K | 2.40% |
| TIMOTHY SMITH3 | 7 CAMERON STREET AUBURN, NY 13021 | AFLAC | $2K | $197 | $2K | 1.47% |
| LAURA BOHANNON3 | 23 S MARVINE AVENUE AUBURN, NY 13021 | AFLAC | $2K | $138 | $2K | 1.12% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | AFLAC | $780 | — | $780 | 0.52% |
| MARA ANNE GILLANI3 Filed as: MARA GILLANI | 2848 N MYERS STREET BURBANK, CA 91504 | AFLAC | $582 | — | $582 | 0.39% |
| JENNIE E RUSSO3 Filed as: JENNIE RUSSO | 4802 BURRSTONE ROAD SYRACUSE, NY 13215 | AFLAC | $382 | — | $382 | 0.25% |
| GIBIDES INC3 | 7200 CANAAN LN APT 110 RALEIGH, NC 27615 | AFLAC | $295 | — | $295 | 0.20% |
| SHANAE CLAPPER3 | 101 OLD COVE RD SUITE 114 LIVERPOOL, NY 13090 | AFLAC | $253 | — | $253 | 0.17% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $214 | — | $214 | 0.14% |
| JENNIFER DICK3 | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $201 | — | $201 | 0.13% |
| NICHOLAS J DELIA3 Filed as: NICHOLAS DELIA | 165 ARMSTRONG RD SYRACUSE, NY 13209 | AFLAC | $175 | — | $175 | 0.12% |
| STEPHEN CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $137 | $14 | $151 | 0.10% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $132 | — | $132 | 0.09% |
| ALISHA K ROBINSON3 Filed as: ALISHA ROBINSON | PO BOX 272 OLD FORGE, NY 13420 | AFLAC | $114 | — | $114 | 0.08% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $70 | — | $70 | 0.05% |
| DAWN PELLERIN3 | 34 TAMARACK DR NEW HARTFORD, NY 13413 | AFLAC | $61 | — | $61 | 0.04% |
| BRIAN MCLAUCHLAN3 | 303 FOREST DR NORTH SYRACUSE, NY 13212 | AFLAC | $60 | — | $60 | 0.04% |
| DAVID SHOPIRO3 | 306 HAWLEY AVE SYRACUSE, NY 13203 | AFLAC | $45 | — | $45 | 0.03% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI ST SYRACUSE, NY 13203 | AFLAC | $39 | — | $39 | 0.03% |
| PAUL D CLARK3 Filed as: PAUL CLARK | 8171 SALT SPRINGS ROAD MANLIUS, NY 13104 | AFLAC | $36 | — | $36 | 0.02% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | AFLAC | $32 | — | $32 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $27 | — | $27 | 0.02% |
| NICHOLAS CALARCO3 | 30 GRANT STREET AUBURN, NY 13021 | AFLAC | $25 | — | $25 | 0.02% |
| DUCK & COVER NY INC3 | 17 DALAMAR COURT LATHAM, NY 12110 | AFLAC | $24 | — | $24 | 0.02% |
| DAVID F VAN SLYKE3 Filed as: DAVID VAN SLYKE | 215 BUMP DRIVE SYRACUSE, NY 13209 | AFLAC | $23 | — | $23 | 0.02% |
| DEBRA PARKER3 | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $21 | — | $21 | 0.01% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DRIVE SARATOGA SPRINGS, NY 12866 | AFLAC | $18 | — | $18 | 0.01% |
| STEVEN DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $18 | — | $18 | 0.01% |
| EDWARD D YATES JR3 Filed as: EDWARD YATES JR | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $13 | $3 | $16 | 0.01% |
| CHARLES D. BLOCK3 Filed as: CHARLES GRAY | 105 DAVENTRY LANE SUITE 100 LOUISVILLE, KY 40223 | AFLAC | $14 | — | $14 | 0.01% |
| LAURIE SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $13 | — | $13 | 0.01% |
| WILLIAM HAYDEN3 | 94 NELSON STREET AUBURN, NY 13021 | AFLAC | $12 | — | $12 | 0.01% |
| JAMES MAZZUCA3 | 7956 HERITAGE ENTRANCE BLVD KISSIMMEE, FL 34747 | AFLAC | $12 | — | $12 | 0.01% |
| RICHARD G SHEERAN3 | 460 N FRANKLIN STREET APT 402 SYRACUSE, NY 13204 | AFLAC | $8 | — | $8 | 0.01% |
| PERRY L KANFER3 | 7695 FOXTAIL TINES LIVERPOOL, NY 13090 | AFLAC | $5 | — | $5 | 0.00% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $4 | — | $4 | 0.00% |
| DAN MARTINEAU3 | C/O BARB DEISN 4011 FOOTHILL PATH SYRACUSE, NY 13215 | AFLAC | $4 | — | $4 | 0.00% |
| DONALD H MATSON3 Filed as: DONALD MATSON | 8 ROSEWOOD DRIVE AUBURN, NY 13021 | AFLAC | $4 | — | $4 | 0.00% |
| STEPHANIE MINER3 | 4450 WEDGE DR PFAFFTOWN, NC 27040 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL G RYAN3 Filed as: MICHAEL RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $2 | — | $2 | 0.00% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $1 | — | $1 | 0.00% |
| THE GEORGE L. WLADIS COMPANY, INC.3 Filed as: THE GEORGE WLADIS CO INC | 528 PLUM COURT SUITE 250 SYRACUSE, NY 13204 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 10.68% |
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 | 480 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 412 | $4.1M |
| Dental | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 536 | $333K |
| Vision | AFLAC | 216 | $150K |
| Life insurance | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 536 | $333K |
| Short-term disability | AFLAC | 216 | $150K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 468 | $35K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 412 | $4.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 536 | $483K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.