| 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 | $128K | — | $128K | 2.10% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INS COMPANY OF AMERICA | $20K | $19K | $39K | 9.96% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INS COMPANY OF AMERICA | $20K | — | $20K | 5.00% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $20K | $384 | $20K | 13.59% |
| LAURA BOHANNON3 | 23 S MARVINE AVENUE AUBURN, NY 13021 | AFLAC | $4K | $88 | $4K | 2.85% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $4K | $88 | $4K | 2.71% |
| TIMOTHY SMITH3 | 7 CAMERON STREET AUBURN, NY 13021 | AFLAC | $788 | — | $788 | 0.53% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | AFLAC | $527 | — | $527 | 0.36% |
| JENNIE E RUSSO3 Filed as: JENNIE RUSSO | 4802 BURRSTONE ROAD SYRACUSE, NY 13215 | AFLAC | $468 | — | $468 | 0.32% |
| MARA ANNE GILLANI3 | 2848 N MYERS STREET BURBANK, CA 91504 | AFLAC | $408 | — | $408 | 0.28% |
| GIBIDES INC3 | PO BOX 331 ROYERSFORD, PA 19468 | AFLAC | $228 | — | $228 | 0.15% |
| NICHOLAS J DELIA3 Filed as: NICHOLAS DELIA | 165 ARMSTRONG RD SYRACUSE, NY 13209 | AFLAC | $173 | — | $173 | 0.12% |
| SHANAE CLAPPER3 | 9292 RUNNYMEDE RD PHOENIX, NY 13135 | AFLAC | $156 | — | $156 | 0.11% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $139 | — | $139 | 0.09% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR SUITE 100 ROCHESTER, NY 14625 | AFLAC | $115 | — | $115 | 0.08% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $106 | — | $106 | 0.07% |
| JENNIFER DICK3 | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $84 | — | $84 | 0.06% |
| STEPHEN CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $70 | — | $70 | 0.05% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY AND CREW, INC. | 39 SAGINAW DRIVE SUITE 2 ROCHESTER, NY 14623 | AFLAC | $62 | — | $62 | 0.04% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS RD CICERO, NY 13039 | AFLAC | $52 | — | $52 | 0.04% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $48 | — | $48 | 0.03% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI ST SYRACUSE, NY 13203 | AFLAC | $39 | — | $39 | 0.03% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $33 | — | $33 | 0.02% |
| DAVID F VAN SLYKE3 Filed as: DAVID VAN SLYKE | 215 BUMP DRIVE SYRACUSE, NY 13209 | AFLAC | $23 | — | $23 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $21 | — | $21 | 0.01% |
| DEBRA PARKER3 | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $21 | — | $21 | 0.01% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $20 | — | $20 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR COURT LATHAM, NY 12110 | AFLAC | $18 | — | $18 | 0.01% |
| DAVID SHOPIRO3 | 306 HAWLEY AVE SYRACUSE, NY 13203 | AFLAC | $17 | — | $17 | 0.01% |
| JUSTIN M. BYMASTER3 | 6766 WOLCOTT STREET RED CREEK, NY 13143 | AFLAC | $16 | — | $16 | 0.01% |
| STEVEN DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $15 | — | $15 | 0.01% |
| JAMES MAZZUCA3 Filed as: JAMES C. MAZZUCA | 7956 HERITAGE ENTRANCE BLVD KISSIMMEE, FL 34747 | AFLAC | $13 | — | $13 | 0.01% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $11 | — | $11 | 0.01% |
| LAURIE L SMITH3 Filed as: LAURIE L. SMITH | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $10 | — | $10 | 0.01% |
| DAVID A COLLISON3 Filed as: DAVID COLLISON | 46 JOHNSTONE LN GEORGETOWN, SC 29440 | AFLAC | $8 | — | $8 | 0.01% |
| EDWARD D YATES3 Filed as: EDWARD D. YATES | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $5 | — | $5 | 0.00% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | 3681 STARBRIGHT LANE LAS VEGAS, NV 89147 | AFLAC | $3 | — | $3 | 0.00% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL G RYAN3 Filed as: MICHAEL G. RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $1 | — | $1 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 528 PLUM COURT SUITE 250 SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $4K | — | $4K | 10.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 528 PLUM COURT SUITE 250 SYRACUSE, NY 13204 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $548 | $548 | — |
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 | 546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 473 | $6.1M |
| Dental | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 621 | $395K |
| Vision | AFLAC | 217 | $147K |
| Life insurance | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 621 | $395K |
| Short-term disability | AFLAC | 217 | $147K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 535 | $37K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 473 | $6.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 621 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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.