| 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 | $133K | — | $133K | 2.04% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INS COMPANY OF AMERICA | $21K | $20K | $42K | 10.09% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INS COMPANY OF AMERICA | $21K | — | $21K | 5.00% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $21K | $841 | $22K | 13.24% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR. APT 208 NAPLES, FL 34110 | AFLAC | $5K | $208 | $5K | 3.02% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $4K | $217 | $4K | 2.59% |
| JENNIE E RUSSO3 Filed as: JENNIE RUSSO | 4802 BURRSTONE ROAD SYRACUSE, NY 13215 | AFLAC | $805 | — | $805 | 0.48% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | AFLAC | $398 | — | $398 | 0.24% |
| TIMOTHY SMITH3 | 7 CAMERON STREET AUBURN, NY 13021 | AFLAC | $321 | — | $321 | 0.19% |
| MARA ANNE GILLANI3 | 2848 N MYERS STREET BURBANK, CA 91504 | AFLAC | $296 | — | $296 | 0.18% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $284 | — | $284 | 0.17% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR SUITE 100 ROCHESTER, NY 14625 | AFLAC | $155 | — | $155 | 0.09% |
| NICHOLAS J DELIA3 Filed as: NICHOLAS DELIA | 165 ARMSTRONG RD SYRACUSE, NY 13209 | AFLAC | $123 | — | $123 | 0.07% |
| GIBIDES INC3 | PO BOX 331 ROYERSFORD, PA 19468 | AFLAC | $92 | — | $92 | 0.05% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $92 | — | $92 | 0.05% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $87 | — | $87 | 0.05% |
| DAVID GIBIDES3 | 2305 LIBERTY CT NORRISTOWN, PA 19403 | AFLAC | $72 | — | $72 | 0.04% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY AND CREW, INC. | 39 SAGINAW DRIVE SUITE 2 ROCHESTER, NY 14623 | AFLAC | $66 | — | $66 | 0.04% |
| JENNIFER DICK3 | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $66 | — | $66 | 0.04% |
| SHANAE CLAPPER3 | 9292 RUNNYMEDE RD PHOENIX, NY 13135 | AFLAC | $53 | — | $53 | 0.03% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS RD CICERO, NY 13039 | AFLAC | $48 | — | $48 | 0.03% |
| STEPHEN CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $43 | — | $43 | 0.03% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES INC. | 901 LODI ST SYRACUSE, NY 13203 | AFLAC | $36 | — | $36 | 0.02% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $35 | — | $35 | 0.02% |
| JUSTIN M. BYMASTER3 | 447 STATE ROUTE 104A STERLING, NY 13156 | AFLAC | $21 | — | $21 | 0.01% |
| DAVID F VAN SLYKE3 Filed as: DAVID VAN SLYKE | 215 BUMP DRIVE SYRACUSE, NY 13209 | AFLAC | $21 | — | $21 | 0.01% |
| DEBRA PARKER3 | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $20 | — | $20 | 0.01% |
| DAVID SHOPIRO3 | 306 HAWLEY AVE SYRACUSE, NY 13203 | AFLAC | $15 | — | $15 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $15 | — | $15 | 0.01% |
| STEVEN DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $13 | — | $13 | 0.01% |
| JAMES MAZZUCA3 Filed as: JAMES C. MAZZUCA | 7956 HERITAGE ENTRANCE BLVD KISSIMMEE, FL 34747 | AFLAC | $11 | — | $11 | 0.01% |
| DAVID A COLLISON3 Filed as: DAVID COLLISON | 46 JOHNSTONE LN GEORGETOWN, SC 29440 | AFLAC | $8 | — | $8 | 0.00% |
| LAURIE L SMITH3 Filed as: LAURIE L. SMITH | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $8 | — | $8 | 0.00% |
| DUCK & COVER NY INC3 | 17 DALAMAR COURT LATHAM, NY 12110 | AFLAC | $7 | — | $7 | 0.00% |
| DAVID B PERLEE3 Filed as: DAVID B. PERLEE | 1989 NEPTUNE DR. ENGLEWOOD, FL 34223 | AFLAC | $5 | — | $5 | 0.00% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $5 | — | $5 | 0.00% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | 3681 STARBRIGHT LANE LAS VEGAS, NV 89147 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID WEINGARTNER3 Filed as: DAVID M. WEINGARTNER | 15 DAVID DR. JOHNSON CITY, NY 13790 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL G RYAN3 Filed as: MICHAEL G. RYAN | PO BOX 60 CHROMO, CO 81128 | 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 | 8.87% |
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 | 706 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 472 | $6.5M |
| Dental | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 634 | $413K |
| Vision | AFLAC | 207 | $168K |
| Life insurance | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 634 | $413K |
| Short-term disability | AFLAC | 207 | $168K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 602 | $47K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 472 | $6.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 634 | $581K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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.