| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | MVP HEALTHCARE | $22K | — | $22K | 4.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN EMPIRE STATE | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 10.39% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HIL DR STE 100 ROCHESTER, NY 14625 | AFLAC | $388 | — | $388 | 3.40% |
| ROBERT M NAPRAVA JR3 | 3855 VINE RD PENN YAN, NY 14527 | AFLAC | $226 | — | $226 | 1.98% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $215 | — | $215 | 1.88% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $206 | — | $206 | 1.80% |
| MATTHEW M YANINAS3 | 4854 CROSS ST CAMPBELL, NY 14821 | AFLAC | $101 | — | $101 | 0.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | AFLAC | $63 | — | $63 | 0.55% |
| LAURA BOHANNON3 | 25 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $53 | — | $53 | 0.46% |
| DAVID R MORRISON3 | 208 PONTAXIT AVE CAPE MAY, NC 08204 | AFLAC | $36 | — | $36 | 0.32% |
| DAVID A COLLISON3 | 46 JOHNSTONE LN GEORGETOWN, SC 29440 | AFLAC | $31 | — | $31 | 0.27% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $29 | — | $29 | 0.25% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $25 | — | $25 | 0.22% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $22 | — | $22 | 0.19% |
| ROBERT PELTON3 | 2119 US ROUTE 20 SENECA FALLS, NY 13148 | AFLAC | $17 | — | $17 | 0.15% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $15 | — | $15 | 0.13% |
| JENNIFER DICK3 | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $15 | — | $15 | 0.13% |
| DAVID M COUGHLIN3 Filed as: DAVID M COUGHLN | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $9 | — | $9 | 0.08% |
| DAVID WEINGARTNER3 Filed as: DAVID M WEINGARTNER | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $8 | — | $8 | 0.07% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $8 | — | $8 | 0.07% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $5 | — | $5 | 0.04% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $3 | — | $3 | 0.03% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | — | $3 | 0.03% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $3 | — | $3 | 0.03% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NC 14534 | AFLAC | $2 | — | $2 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | COMPANION LIFE INSURANCE COMPANY | $2K | $782 | $2K | 21.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | MUTUAL OF OMAHA INSURANCE COMPANY | $357 | $210 | $567 | 15.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | MUTUAL OF OMAHA INSURANCE COMPANY | $444 | $179 | $623 | 21.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | MUTUAL OF OMAHA INSURANCE COMPANY | $193 | $77 | $270 | 21.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | COMPANION LIFE INSURANCE COMPANY | $113 | $80 | $193 | 17.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | MUTUAL OF OMAHA INSURANCE COMPANY | $24 | $17 | $41 | 17.37% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 73 | $460K |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 41 | $29K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 102 | $1K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 5 | $4K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 5 | $3K |
| Prescription drug | MVP HEALTHCARE | 73 | $460K |
| Other(4 contracts, 3 carriers) | AFLAC | 102 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.