| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | HEALTHNOW NEW YORK, INC. DBA BLUESHIELD OF NORTHEASTERN NEW YORK | $30K | — | $30K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | 2 PIERCE PL. FLOOR 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $12 | $3K | 4.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 101 LARKSPUR LANDING CIR. STE. 120 LARKSPUR, CA 949391749 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.52% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2 SUMMIT CT STE 204A FISHKILL, NY 12524 | AFLAC | $4K | $343 | $5K | 11.68% |
| SARAH HUNT3 | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $3K | $103 | $3K | 8.10% |
| FLOYD AMIDON3 Filed as: FLOYD A AMIDON | 160 BENMONT AVENUE SUITE 203 BENNINGTON, VT 05201 | AFLAC | $1K | $423 | $2K | 4.16% |
| DENNIS FENNELL3 | 8 BELVOIR DR WASHINGTONVILLE, NY 10992 | AFLAC | $1K | $56 | $1K | 2.77% |
| MOLLY HUBBARD3 | 224 E 7TH ST APT 9 NEW YORK, NY 10009 | AFLAC | $921 | $11 | $932 | 2.38% |
| EDWARD-ROSS ROBINSON-WEST3 | 2 GOLD ST APT 714 NEW YORK, NY 10038 | AFLAC | $315 | $0 | $315 | 0.81% |
| TIMOTHY C CAVAZOS3 | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $185 | $4 | $189 | 0.48% |
| JASON SALLEMI3 | 302 MONROE ST APT 4B HOBOKEN, NJ 07030 | AFLAC | $173 | $0 | $173 | 0.44% |
| NICHOLAS PETERSON3 | 3333 BROADWAY APT. C17H NEW YORK, NY 10031 | AFLAC | $141 | $16 | $157 | 0.40% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $89 | $24 | $113 | 0.29% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $92 | $20 | $112 | 0.29% |
| TRACEY H BOURDON3 | 4866 MANDOLIN COURT WINTER HAVEN, FL 33884 | AFLAC | $84 | $0 | $84 | 0.21% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $55 | $26 | $81 | 0.21% |
| RONALD J MOGG JR3 | 184 OLD MAMARONECK RD WHITE PLAINS, NY 10605 | AFLAC | $78 | $0 | $78 | 0.20% |
| RUSSELL T BARRETT3 | 145 N FRANKLIN TPKE STE 118 RAMSEY, NY 07446 | AFLAC | $62 | $0 | $62 | 0.16% |
| RICHARD WHELAN3 | 1462 SEQUOIA CIR TOMS RIVER, NJ 08753 | AFLAC | $54 | $0 | $54 | 0.14% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $43 | $0 | $43 | 0.11% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $20 | $5 | $25 | 0.06% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $24 | $0 | $24 | 0.06% |
| GINA GRAZIANO3 Filed as: GINA M GRAZIANO | 1056 BEDFORD AVE APT 4R BROOKLYN, NY 11205 | AFLAC | $22 | $0 | $22 | 0.06% |
| SUSAN CHILLE3 Filed as: SUSAN E CHILLE | 6 AURORA AVE SARATOGA SPRINGS, NY 12866 | AFLAC | $18 | $0 | $18 | 0.05% |
| BETH SERFILIPPI4 | 8 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $17 | $0 | $17 | 0.04% |
| CATHY HEDBERG3 | PO BOX 3810 ALBANY, NY 12203 | AFLAC | $13 | $0 | $13 | 0.03% |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $11 | $0 | $11 | 0.03% |
| LISA J BRENNAN-JONES3 | 1014 CATHERINE WOODS SCHENECTADY, NY 12309 | AFLAC | $7 | $0 | $7 | 0.02% |
| BRENDAN MCCARTHY AND CREW INC3 | 1411 CHILI AVE STE 3 STE 3 ROCHESTER, NY 14624 | AFLAC | $3 | $0 | $3 | 0.01% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $3 | $0 | $3 | 0.01% |
| SUSAN BRIMHALL3 | 155 CYPRESS LN OLDSMAR, FL 34677 | AFLAC | $2 | $0 | $2 | 0.01% |
| TIMOTHY HENDERSON3 | 1151 PITTSFORD VICTOR RD STE 215 PITTSFORD, NY 14534 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2 SUMMIT CT STE 204A FISHKILL, NY 12524 | AFLAC | $771 | $76 | $847 | 12.22% |
| SARAH HUNT3 | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $813 | $0 | $813 | 11.73% |
| FLOYD AMIDON3 | 160 BENMONT AVE SUITE 203 BENNINGTON, VT 05201 | AFLAC | $172 | $13 | $185 | 2.67% |
| PHILIP M GERKEN JR3 | 9529 FORD RD PERRYSBURG, OH 43551 | AFLAC | $68 | $0 | $68 | 0.98% |
| TRACEY H BOURDON3 | 4866 MANDOLIN COURT WINTER HAVEN, FL 33884 | AFLAC | $66 | $0 | $66 | 0.95% |
| MARK A TOPOLSKI3 | 5045 SAN LUIS REY DR SYLVANIA, OH 43560 | AFLAC | $34 | $0 | $34 | 0.49% |
| SCOTT W GAGE3 | PO BOX 1286 WEST SPRINGFIELD, MA 01090 | AFLAC | $26 | $0 | $26 | 0.38% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $16 | $8 | $24 | 0.35% |
| CHAD A POLLOCK3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $16 | $0 | $16 | 0.23% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $6 | $5 | $11 | 0.16% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $11 | $0 | $11 | 0.16% |
| MICHAEL J LAMOUREUX3 | 425 UNION ST STE 16 WEST SPRINGFIELD, MA 01089 | AFLAC | $11 | $0 | $11 | 0.16% |
| MELTON & ASSOCIATES INC3 | 18167 US HIGHWAY 19N SUITE 525 CLEARWATER, FL 33764 | AFLAC | $7 | $0 | $7 | 0.10% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $5 | $0 | $5 | 0.07% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $2 | $0 | $2 | 0.03% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNOW NEW YORK, INC. DBA BLUESHIELD OF NORTHEASTERN NEW YORK | 211 | $748K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $73K |
| Short-term disability(2 contracts) | AFLAC | 76 | $46K |
| Prescription drug | HEALTHNOW NEW YORK, INC. DBA BLUESHIELD OF NORTHEASTERN NEW YORK | 211 | $748K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.