| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 NORTH FRANKLIN ST. STE 20 SYRACUSE, NY 13204 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 N FRANKLIN ST, STE 20 SYRACUSE, NY 13204 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BMB BENEFITS GROUP INC3 Filed as: BMB BENEFITS GROUP | 334 GRAY ST HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $693 | — | $693 | 6.97% |
| ADIRONDACK FINANCIAL SERVICES3 | 185 GENESEE ST STE 210 UTICA, NY 13501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $627 | — | $627 | 6.31% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $205 | — | $205 | 2.06% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.39% |
| TRISHA TYMINSKI3 | 41 DORIS PARK DR CONSTANTIA, NY 13044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| MEAGAN M MARTIN3 | 8034B MARLIN DR CLAY, NY 13041 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| ANTHONY MATRONE3 | 4297 ROUTE 31 CLAY, NY 13041 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| REBECCA PITCHER3 | 46 SHULL ST ILION, NY 13357 | AFLAC | $710 | $47 | $757 | 11.05% |
| ALISHA K ROBINSON3 | PO BOX 272 OLD FORGE, NY 13420 | AFLAC | $260 | $5 | $265 | 3.87% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $254 | $11 | $265 | 3.87% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 N FRANKLIN ST, STE 20 SYRACUSE, NY 13204 | AFLAC | $215 | — | $215 | 3.14% |
| NICHOLAS CALARCO | 120 E. WASHINGTON ST, STE 822 SYRACUSE, NY 13202 | AFLAC | $152 | $5 | $157 | 2.29% |
| AFS AGENCY3 | 185 GENESEE ST STE 210 UTICA, NY 13501 | AFLAC | $47 | — | $47 | 0.69% |
| JEFFERY S. KOWALSKY3 Filed as: JEFFERY S KOWALSKY | 2530 CHURCH ROAD SAUQUOIT, NY 13456 | AFLAC | $34 | — | $34 | 0.50% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DR NEW HARTFORD, NY 13413 | AFLAC | $18 | — | $18 | 0.26% |
| SCOTT THORNTON3 | 4850 STATE ROUTE 69 TRLR 2 ROME, NY 13440 | AFLAC | $17 | — | $17 | 0.25% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $1 | — | $1 | 0.01% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $1 | — | $1 | 0.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 N FRANKLIN ST, STE 20 SYRACUSE, NY 13204 | MUTUAL OF OMAHA INSURANCE COMPANY | $144 | — | $144 | 10.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST. SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $14 | — | $14 | 3.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 | Claims processing Service code 12 | PO BOX 8033 WAUSAU, WI 54402 | $79K |
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 | Claims processing Service code 12 | 165 COURT STREET ROCHESTER, NY 14647 | $12K |
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 | 582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $20K |
| Life insurance(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 119 | $23K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 119 | $1K |
| Other(2 contracts, 2 carriers) | AFLAC | 119 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.