| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS INC - EMPIRE | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $36K | — | $36K | 4.30% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | COMPANION LIFE INSURANCE COMPANY | $2K | $401 | $2K | 18.21% |
| ROBERT M NAPRAVA JR3 | 3855 VINE RD PENN YAN, NY 14527 | AFLAC | $203 | — | $203 | 2.16% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HIL DR STE 100 ROCHESTER, NY 14625 | AFLAC | $183 | — | $183 | 1.95% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $182 | — | $182 | 1.94% |
| DEBRA M PARKER3 | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $155 | — | $155 | 1.65% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $112 | — | $112 | 1.19% |
| BROWN & BROWN INSURANCE SERVICES3 | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | AFLAC | $82 | — | $82 | 0.87% |
| MATTHEW M YANINAS3 | 4854 CROSS ST CAMPBELL, NY 14821 | AFLAC | $45 | — | $45 | 0.48% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $37 | — | $37 | 0.39% |
| DAVID R MORRISON3 Filed as: DAVID MORRISON | 1211 SHENKEL RD POTTSTOWN, PA 19465 | AFLAC | $36 | — | $36 | 0.38% |
| ROBERT PELTON3 | 2119 US ROUTE 20 SENECA FALLS, NY 13148 | AFLAC | $17 | — | $17 | 0.18% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $16 | — | $16 | 0.17% |
| JENNIFER AYERS3 | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $15 | — | $15 | 0.16% |
| DAVID A COLLISON3 | 46 JOHNSTONE LN GEORGETOWN, SC 29440 | AFLAC | $13 | — | $13 | 0.14% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $10 | — | $10 | 0.11% |
| DAVID WEINGARTNER3 | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $6 | — | $6 | 0.06% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $5 | — | $5 | 0.05% |
| DAVID M COUGHLIN3 Filed as: DAVID M COUGHLN | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $4 | — | $4 | 0.04% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $4 | — | $4 | 0.04% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $3 | — | $3 | 0.03% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $2 | — | $2 | 0.02% |
| DAVID B PERLEE3 | 1989 NEPTUNE DR ENGLEWOOD, FL 34223 | AFLAC | $1 | — | $1 | 0.01% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 37 JESSICA TRCE GANSEVOORT, NY 12831 | AFLAC | $1 | — | $1 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | MUTUAL OF OMAHA INSURANCE COMPANY | $710 | $224 | $934 | 13.16% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | MUTUAL OF OMAHA INSURANCE COMPANY | $610 | $127 | $737 | 18.11% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | COMPANION LIFE INSURANCE COMPANY | $179 | $54 | $233 | 13.04% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | MUTUAL OF OMAHA INSURANCE COMPANY | $233 | — | $233 | 15.70% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | MUTUAL OF OMAHA INSURANCE COMPANY | $30 | $9 | $39 | 13.09% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 58 | $834K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 131 | $2K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 59 | $7K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 48 | $4K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 58 | $834K |
| Other(4 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 131 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.