| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY, SUITE 300 ATLANTA, GA 30339 | EXCELLUS BLUECROSS BLUESHIELD | $122K | — | $122K | 2.24% |
| 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 | $35 | — | $35 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INS COMPANY OF AMERICA | — | $27K | $27K | 7.37% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INS COMPANY OF AMERICA | $18K | — | $18K | 4.95% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $15K | $854 | $16K | 11.06% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $3K | $208 | $3K | 2.40% |
| LAURA BOHANNON3 | 23 S MARVINE AVENUE AUBURN, NY 13021 | AFLAC | $3K | $171 | $3K | 2.00% |
| SHANAE CLAPPER3 | 9292 RUNNYMEDE RD PHOENIX, NY 13135 | AFLAC | $1K | $97 | $1K | 0.88% |
| TIMOTHY SMITH3 | 7 CAMERON STREET AUBURN, NY 13021 | AFLAC | $890 | $34 | $924 | 0.64% |
| JENNIE E RUSSO3 Filed as: JENNIE RUSSO | 4802 BURRSTONE ROAD SYRACUSE, NY 13215 | AFLAC | $611 | $0 | $611 | 0.42% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | AFLAC | $586 | $0 | $586 | 0.40% |
| MARA ANNE GILLANI3 | 2848 N MYERS STREET BURBANK, CA 91504 | AFLAC | $435 | $0 | $435 | 0.30% |
| GIBIDES INC3 | 7200 CANAAN LN APT 110 RALEIGH, NC 27615 | AFLAC | $230 | $0 | $230 | 0.16% |
| NICHOLAS J DELIA3 Filed as: NICHOLAS DELIA | 165 ARMSTRONG RD SYRACUSE, NY 13209 | AFLAC | $160 | $0 | $160 | 0.11% |
| JUSTIN M. BYMASTER3 | 6766 WOLCOTT STREET RED CREEK, NY 13143 | AFLAC | $144 | $16 | $160 | 0.11% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $157 | $0 | $157 | 0.11% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $97 | $0 | $97 | 0.07% |
| JENNIFER DICK3 | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $78 | $0 | $78 | 0.05% |
| STEPHEN CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $73 | $0 | $73 | 0.05% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR SUITE 100 ROCHESTER, NY 14625 | AFLAC | $59 | $0 | $59 | 0.04% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY AND CREW, INC. | 39 SAGINAW DRIVE SUITE 2 ROCHESTER, NY 14623 | AFLAC | $57 | $0 | $57 | 0.04% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $54 | $3 | $57 | 0.04% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS RD CICERO, NY 13039 | AFLAC | $53 | $0 | $53 | 0.04% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $50 | $0 | $50 | 0.03% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI ST SYRACUSE, NY 13203 | AFLAC | $36 | $0 | $36 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $23 | $0 | $23 | 0.02% |
| DAVID F VAN SLYKE3 Filed as: DAVID VAN SLYKE | 215 BUMP DRIVE SYRACUSE, NY 13209 | AFLAC | $21 | $0 | $21 | 0.01% |
| DEBRA PARKER3 | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $20 | $0 | $20 | 0.01% |
| DAVID SHOPIRO3 | 306 HAWLEY AVE SYRACUSE, NY 13203 | AFLAC | $17 | $0 | $17 | 0.01% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $17 | $0 | $17 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR COURT LATHAM, NY 12110 | AFLAC | $17 | $0 | $17 | 0.01% |
| STEVEN DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $15 | $0 | $15 | 0.01% |
| BRIAN T MOYNIHAN3 | 84 TROY RD E. GREENBUSH, NY 12061 | AFLAC | $14 | $0 | $14 | 0.01% |
| STASH WOJESKI3 | PO BOX 960 NORTH CHATHAM, NY 12132 | AFLAC | $13 | $0 | $13 | 0.01% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $13 | $0 | $13 | 0.01% |
| JAMES MAZZUCA3 | 7956 HERITAGE ENTRANCE BLVD KISSIMMEE, FL 34747 | AFLAC | $11 | $0 | $11 | 0.01% |
| LAURIE SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $10 | $0 | $10 | 0.01% |
| SEMBER MILLER3 | PO BOX 5225 CLIFTON PARK, NY 12065 | AFLAC | $7 | $0 | $7 | 0.00% |
| EDWARD D YATES JR3 Filed as: EDWARD YATES JR | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $7 | $0 | $7 | 0.00% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $4 | $0 | $4 | 0.00% |
| DAVID A COLLISON3 Filed as: DAVID COLLISON | 46 JOHNSTONE LN GEORGETOWN, SC 29440 | AFLAC | $3 | $0 | $3 | 0.00% |
| BRIAN T MOYNIHAN3 | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $3 | $0 | $3 | 0.00% |
| GREGORY D GEMEREK3 | 25 CARRIAGE WAY BALLSTON SPA, NY 12020 | AFLAC | $3 | $0 | $3 | 0.00% |
| STEPHANIE MINER3 | 4450 WEDGE DR PFAFFTOWN, NC 27040 | AFLAC | $2 | $0 | $2 | 0.00% |
| MICHAEL G RYAN3 Filed as: MICHAEL RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $1 | $0 | $1 | 0.00% |
| DAVID M COUGHLIN3 Filed as: DAVID COUGHLIN | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $1 | $0 | $1 | 0.00% |
| DAVID WEINGARTNER Filed as: DAVID WEINGARTHER | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $1 | $0 | $1 | 0.00% |
| KENNETH J HANNAN3 Filed as: KENNETH J. HANNAN | 5 FRIAR TUCK CT. CLIFTON PARK, NY 12065 | AFLAC | $0 | $0 | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 528 PLUM COURT SUITE 250 SYRACUSE, NY 13204 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $665 | $4K | 15.32% |
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 | 473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 442 | $5.4M |
| Dental | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 576 | $366K |
| Vision | AFLAC | 214 | $145K |
| Life insurance | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 576 | $366K |
| Short-term disability | AFLAC | 214 | $145K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 512 | $24K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 442 | $5.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 576 | $511K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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.