| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS - EMPIRE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $109K | — | $109K | 2.46% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS | 100 RIALTO PL STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 2.74% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NEW YORK INC | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $644 | $8K | 14.27% |
| ALLIANCE FINANCIAL NETWORK | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $85 | — | $85 | 0.15% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVIC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | GUARDIAN | $10K | $423 | $10K | 47.69% |
| RONALD V. SANTINO3 Filed as: RONALD V SANTINO | 218 WINCHESTER DR NEW HARTFORD, NY 13413 | AFLAC | $1K | $112 | $1K | 8.63% |
| ALISHA K ROBINSON3 | PO BOX 272 OLD FORGE, NY 13420 | AFLAC | $361 | $26 | $387 | 2.72% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $278 | $26 | $304 | 2.14% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DR NEW HARTFORD, NY 13413 | AFLAC | $180 | — | $180 | 1.27% |
| MARY FRANCES CARLTON3 | 3824 HOGAN RD VERNON CENTER, NY 13477 | AFLAC | $43 | — | $43 | 0.30% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN AND GILROY INC | 210 CLINTON RD NEW HARTFORD, NY 13413 | AFLAC | $27 | — | $27 | 0.19% |
| MICHELE K WITT3 | 1925 HOLLAND AVE UTICA, NY 13501 | AFLAC | $20 | — | $20 | 0.14% |
| REBECCA PITCHER3 | 46 SHULL ST ILION, NC 13357 | AFLAC | $10 | — | $10 | 0.07% |
| JEFFERY S KOWALSKY3 | 2530 CHURCH RD SAUQUOIT, NY 13456 | AFLAC | $6 | — | $6 | 0.04% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $5 | — | $5 | 0.04% |
| KENNETH FREEMIRE3 Filed as: KENNETH A FREEMIRE | 5867 SKINNER RD VERNON CENTER, NY 13477 | AFLAC | $4 | — | $4 | 0.03% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $2 | — | $2 | 0.01% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $2 | — | $2 | 0.01% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID B PERLEE3 | 1989 NEPTUNE DR ENGLEWOOD, FL 34223 | AFLAC | $2 | — | $2 | 0.01% |
| CARBONE INSURANCE AGENCY3 | 5700 HORATIO ST UTICA, NY 13502 | AFLAC | $2 | — | $2 | 0.01% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $1 | — | $1 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $168 | $84 | $252 | 2.45% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC. | 500 PLUM ST. STE 200 SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $82 | — | $82 | 1.90% |
| BROWN & BROWN INSURANCE SERVICES3 | 500 PLUM ST. STE 200 SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $53 | — | $53 | 1.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DR FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $48 | — | $48 | 1.11% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | PO BOX 542 NEW HARTFORD, NY 13413 | FIRST UNUM LIFE INSURANCE COMPANY | $17 | — | $17 | 0.39% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 248 | $4.4M |
| Dental | GUARDIAN | 230 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 397 | $59K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $62K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $68K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 248 | $4.4M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 510 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.