| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $288K | — | $288K | 4.66% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $157K | — | $157K | 5.02% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $65K | — | $65K | 5.02% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $314K | — | $314K | 24.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 1500 MARKET STREET PHILADELPHIA, PA 19102 | EXCELLUS BLUE CROSS BLUE SHIELD | $26K | — | $26K | 4.94% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 3.66% |
| WILLIS TOWERS WATSON US LLC3 | 75 ARLINGTON STREET. FL 10 BOSTON, MA 02116 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 4.20% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.05% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 346 SHELBURNE RD, 3RD FL BURLINGTON, VT 05401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $569 | — | $569 | 0.54% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 6.83% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 7.27% |
| MICHAEL P TUMBARELLO3 | 22 US OVAL STE 118 PLATTSBURGH, NY 12903 | AFLAC | $2K | — | $2K | 3.51% |
| CHARLES T JOHNSON3 | 2491 NE PINECREST LAKES BLVD JENSEN BEACH, FL 34957 | AFLAC | $941 | — | $941 | 1.74% |
| MELISSA ANN STEWART3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $522 | — | $522 | 0.96% |
| ANTHONY MORAN JR3 | 11121 STATE RT 9 CHAMPLAIN, NY 12919 | AFLAC | $455 | — | $455 | 0.84% |
| JESSIE JENNETT3 | 12A BOOTH DR STE 2 PLATTSBURGH, NY 12901 | AFLAC | $374 | — | $374 | 0.69% |
| ROBERT HAMILTON3 Filed as: ROBERT T HAMILTON | 105 CHESTERFIELD ST KEESEVILLE, NY 12944 | AFLAC | $316 | — | $316 | 0.58% |
| DARRYL J YOUNG3 | 3820 GOLD CITY RD FRANKLIN, KY 42134 | AFLAC | $203 | — | $203 | 0.38% |
| JOHN E PORTER3 | 200 MCGLOCKLIN WAY BOWLING GREEN, KY 42101 | AFLAC | $153 | — | $153 | 0.28% |
| LISA J BRENNAN-JONES3 | 29 OAK LN LAKE GEORGE, NY 12845 | AFLAC | $133 | — | $133 | 0.25% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $110 | — | $110 | 0.20% |
| ALLAN STAFFORD3 | 80 PLEASANT ST LOT 4 PERU, NY 12972 | AFLAC | $70 | — | $70 | 0.13% |
| JOSEPH STOCKMAN3 Filed as: JOSEPH R STOCKMAN | 1270 GOODMORNING DR NASHVILLE, TN 37207 | AFLAC | $62 | — | $62 | 0.11% |
| SUSAN C BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $47 | — | $47 | 0.09% |
| FRANK ARTHUR COUCH3 | 1041 DONALD ST CONWAY, SC 29527 | AFLAC | $41 | — | $41 | 0.08% |
| ROSANN M CURRAN3 | 1536 RIDGE RD QUEENSBURY, NY 12804 | AFLAC | $35 | — | $35 | 0.06% |
| ANN P WILLETTE3 | 2 NEW ST APT 2 SOUTH GLENS FALLS, NY 12803 | AFLAC | $30 | — | $30 | 0.06% |
| NORTHERN INSURING AGENCY INC.3 Filed as: NORTHERN INSURING AGENCY INC | 171 MARGARET ST PLATTSBURGH, NY 12803 | AFLAC | $28 | — | $28 | 0.05% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $27 | — | $27 | 0.05% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $21 | — | $21 | 0.04% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $13 | — | $13 | 0.02% |
| SUSAN CHILLE3 Filed as: SUSAN E CHILLE | 6760 VALHALLA WAY WINDERMERE, FL 34786 | AFLAC | $11 | — | $11 | 0.02% |
| RUSSELL T BARRETT3 | 37 JESSICA TRCE GANSEVOORT, NY 12831 | AFLAC | $9 | — | $9 | 0.02% |
| CHERYL A ROTONDI3 | 70 BEACON ST BALLSTON SPA, NY 12020 | AFLAC | $8 | — | $8 | 0.01% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $8 | — | $8 | 0.01% |
| KAREN L NORTON3 | 18 PUNTA CT FORT MYERS, FL 33912 | AFLAC | $8 | — | $8 | 0.01% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK CT CLIFTON PARK, NY 12065 | AFLAC | $6 | — | $6 | 0.01% |
| IRMA MATILDE WOODARD3 | 7684 STATE ROUTE 66 AVERILL PARK, NY 12018 | AFLAC | $6 | — | $6 | 0.01% |
| THOMAS FLORES3 Filed as: THOMAS E FLORES | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $5 | — | $5 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $5 | — | $5 | 0.01% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $3 | — | $3 | 0.01% |
| DAVID B PERLEE3 | 1989 NEPTUNE DR ENGLEWOOD, FL 34223 | AFLAC | $3 | — | $3 | 0.01% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | ONE PPG PLACE STE 1000 PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $231 | $3K | 8.82% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY INC | ONE EMPIRE DRIVE RENSSELAER, NY 12144 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $312 | — | $312 | 9.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENERFIT SERVICES INC | 1 JERICHO PLZ STE 200 JERICHO, NY 11753 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $57 | — | $57 | 1.78% |
| GORMAN, JOHN, W3 | 176 N SHORE DR CLAYTON, NY 13624 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $9 | — | $9 | 0.28% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR ROCHESTER, NY 14625 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $123 | — | $123 | 16.40% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $31 | — | $31 | 4.94% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | CENTER FOR FAMILY LIFE AND RECOVERY | $4K | — | $4K | — |
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 | 13,888 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 13,888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 28 | $532K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 40 | $32K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 9,077 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 13,856 | $6.2M |
| Short-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,203 | $1.8M |
| Long-term disability(6 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 13,856 | $11.1M |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 28 | $532K |
| Other(8 contracts, 6 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,949 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,856 | — |
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.