| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $26K | $79K | $105K | 10.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $34K | $34K | 3.49% |
| JAMES D. DAVIDSON3 | 3100 EAST MIRALOMA AVENUE SUITE 240 ANAHEIN, CA 92806 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $20K | $0 | $20K | 2.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $11K | $4K | $15K | 1.54% |
| KRONOS SAASHR INC3 Filed as: KRONOS SAASHR, INC. | 900 CHELMSFORD STREET LOWELL, MA 01851 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $12K | $0 | $12K | 9.88% |
| EOI SERVICE COMPANY INC3 Filed as: EOI ENROLLMENT SERVICES, LLC | 3100 E MIRALOMA AVENUE, SUITE 240 CHICAGO, IL 92806 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $689 | $0 | $689 | 1.41% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | AFLAC | $219 | $0 | $219 | 9.22% |
| DEBRA M PARKER3 Filed as: DEBRA M. PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $22 | $0 | $22 | 0.93% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY AND CREW, INC. | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $13 | $0 | $13 | 0.55% |
| RICHARD DE ASIS & OTHER AGENTS3 | 39 HUNTERS RUN PITTSFORD, NY 14534 | AFLAC | $13 | $0 | $13 | 0.55% |
| ERIN HOLZSCHUH3 Filed as: ERIN L. HOLZSCHUH | 1372 COVELL ROAD BROCKPORT, NY 14420 | AFLAC | $11 | $0 | $11 | 0.46% |
| JEFFREY R DALABA3 Filed as: JEFFREY R. DALABA | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $10 | $0 | $10 | 0.42% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | AFLAC | $7 | $0 | $7 | 0.29% |
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 | 1,618 | 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) | 1,618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 767 | $117K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,618 | $1.0M |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,618 | $968K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,618 | $968K |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,750 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,750 | — |
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.