| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 350 CARMEL, IN 46032 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $23K | $68K | $91K | 10.15% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST FIRST STREET, SUITE 400 SANTA ANA, IL 92705 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $54K | $0 | $54K | 6.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $48K | $48K | 5.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $29K | $5K | $34K | 3.80% |
| 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 | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $10K | $0 | $10K | 10.78% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST FIRST STREET, SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.01% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST FIRST STREET, SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $214 | $0 | $214 | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $115 | $0 | $115 | 1.41% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | AFLAC | $376 | $0 | $376 | 9.53% |
| MJ INSURANCE3 Filed as: PERRY L. KANFER AND VARIOUS AGENTS | 525 PLUM STREET, SUITE 506 SYRACUSE, NY 13204 | AFLAC | $35 | $0 | $35 | 0.89% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY AND CREW, INC. | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $23 | $0 | $23 | 0.58% |
| DEBRA PARKER3 Filed as: DEBRA M. PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $22 | $0 | $22 | 0.56% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $21 | $0 | $21 | 0.53% |
| ERIN HOLZSCHUH3 Filed as: ERIN L. HOLZSCHUH | 1372 COVELL ROAD BROCKPORT, NY 14420 | AFLAC | $9 | $0 | $9 | 0.23% |
| DAVID A COLLISON3 Filed as: DAVID A. COLLISON | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $9 | $0 | $9 | 0.23% |
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 | 1,381 | 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) | 1,381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 619 | $97K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,381 | $967K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,381 | $898K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,381 | $898K |
| Other(5 contracts, 4 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,381 | $999K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,381 | — |
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.