| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | HEALTHNOW NEW YORK, INC. DBA BLUESHIELD OF NORTHEASTERN NEW YORK | $34K | — | $34K | 4.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | 2 PIERCE PL FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.62% |
| SARAH HUNT3 | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $4K | $164 | $4K | 7.92% |
| DENNIS FENNELL3 | 8 BELVOIR DR WASHINGTONVILLE, NY 10992 | AFLAC | $2K | $75 | $2K | 5.00% |
| DANA E ERO3 Filed as: DANA ERO | 40 GORE ROAD PARK BENNINGTON, VT 05201 | AFLAC | $2K | $0 | $2K | 3.39% |
| JOSEPH FOXLEY3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $1K | $321 | $2K | 3.20% |
| FLOYD AMIDON3 | 160 BENMONT AVENUE SUITE 203 BENNINGTON, VT 05201 | AFLAC | $1K | $88 | $1K | 2.44% |
| EVERYDAY MATTERS INC3 | 110 W 86TH ST APT 12D NEW YORK, NY 10024 | AFLAC | $943 | $0 | $943 | 2.00% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $362 | $9 | $371 | 0.79% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $264 | $0 | $264 | 0.56% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER LUBELSKY | 80 JOHN ST 11C NEW YORK, NY 10038 | AFLAC | $191 | $0 | $191 | 0.40% |
| TEENA FOSTER3 | 69 PAINT WORKS RD BRANDON, VT 05733 | AFLAC | $114 | $0 | $114 | 0.24% |
| TRACEY H BOURDON3 Filed as: TRACEY BOURDON | 4866 MANDOLIN COURT WINTER HAVEN, FL 33884 | AFLAC | $81 | $0 | $81 | 0.17% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $68 | $0 | $68 | 0.14% |
| TIMOTHY CAVAZOS3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $46 | $18 | $64 | 0.14% |
| RONALD J MOGG JR3 Filed as: RONALD MOGG JR | 184 OLD MAMARONECK RD WHITE PLAINS, NY 10605 | AFLAC | $58 | $0 | $58 | 0.12% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $46 | $0 | $46 | 0.10% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $41 | $0 | $41 | 0.09% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $33 | $0 | $33 | 0.07% |
| NICHOLAS PETERSON3 | 3333 BROADWAY APT C17H NEW YORK, NY 10031 | AFLAC | $31 | $0 | $31 | 0.07% |
| CHRISTOPHER RUSSO3 | PO BOX 348 CLIFTON PARK, NY 12065 | AFLAC | $25 | $0 | $25 | 0.05% |
| DRUSILLA ROBERTSON3 | 4659 158TH STREET FLUSHING, NY 11358 | AFLAC | $24 | $0 | $24 | 0.05% |
| GINA GRAZIANO3 | 1056 BEDFORD AVE APT 4R BROOKLYN, NY 11205 | AFLAC | $22 | $0 | $22 | 0.05% |
| SUSAN CHILLE3 | 6 AURORA AVE SARATOGA SPRINGS, NY 12866 | AFLAC | $18 | $0 | $18 | 0.04% |
| JASON SALLEMI3 | 302 MONROE ST APT 4B HOBOKEN, NJ 07030 | AFLAC | $11 | $7 | $18 | 0.04% |
| BETH SERFILIPPI3 | 8 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $17 | $0 | $17 | 0.04% |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $15 | $2 | $17 | 0.04% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $13 | $3 | $16 | 0.03% |
| CATHY HEDBERG3 | 663 WESTERN AVE ALBANY, NY 12203 | AFLAC | $13 | $0 | $13 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVE APT 3D BROOKLYN, NY 11209 | AFLAC | $9 | $0 | $9 | 0.02% |
| LISA J BRENNAN-JONES3 Filed as: LISA BRENNAN-JONES | 1014 CATHERINE WOODS SCHENECTADY, NY 12309 | AFLAC | $7 | $0 | $7 | 0.01% |
| KELLY A IRVINE3 | 4480 GOLDEN LAKE DR SARASOTA, FL 34233 | AFLAC | $7 | $0 | $7 | 0.01% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $5 | $2 | $7 | 0.01% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $5 | $0 | $5 | 0.01% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $2 | $2 | $4 | 0.01% |
| BRENDAN MCCARTHY AND CREW INC3 | 1411 CHILI AVE STE 3 ROCHESTER, NY 14624 | AFLAC | $3 | $0 | $3 | 0.01% |
| BRADLEY S JONES3 Filed as: BRADLEY JONES | 19 BRITISH AMERICAN BLVD E LATHAM, NY 12110 | AFLAC | $3 | $0 | $3 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $3 | $0 | $3 | 0.01% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $3 | $0 | $3 | 0.01% |
| SUSAN BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $2 | $0 | $2 | 0.00% |
| TIMOTHY HENDERSON3 | 97 CAVERSHAM WOODS PITTSFORD, NY 14534 | AFLAC | $1 | $0 | $1 | 0.00% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $1 | $0 | $1 | 0.00% |
| SARAH HUNT3 | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $547 | $8 | $555 | 8.40% |
| JOSEPH FOXLEY3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $287 | $10 | $297 | 4.49% |
| SUZANNE WILSON3 | 17 NOBLE AVE. PITTSFIELD, MA 01201 | AFLAC | $244 | $0 | $244 | 3.69% |
| FLOYD AMIDON3 | 160 BENMONT AVE STE 203 BENNINGTON, VT 05201 | AFLAC | $137 | $4 | $141 | 2.13% |
| PHILLIP M GERKEN JR3 Filed as: PHILLIP GERKEN JR | 9529 FORD RD PERRYSBURG, OH 43551 | AFLAC | $80 | $0 | $80 | 1.21% |
| TRACEY H BOURDON3 Filed as: TRACEY BOURDON | 4866 MANDOLIN CT WINTER HAVEN, FL 33884 | AFLAC | $47 | $0 | $47 | 0.71% |
| MARK J MATSOCK & ASSOCIATES INC3 Filed as: MARK TOPOLSKI | 5045 SAN LUIS REY DR SYLVANIA, OH 43560 | AFLAC | $40 | $0 | $40 | 0.61% |
| AARON K BADEN3 Filed as: AARON BADEN | 73 SOUTH ST GREAT BARRINGTON, MA 01230 | AFLAC | $38 | $0 | $38 | 0.57% |
| SCOTT W GAGE3 Filed as: SCOTT GAGE | PO BOX 1 BOUCKVILLE, NY 13310 | AFLAC | $31 | $0 | $31 | 0.47% |
| DANA E ERO3 Filed as: DANA ERO | 40 GORE ROAD PARK BENNINGTON, VT 05201 | AFLAC | $25 | $0 | $25 | 0.38% |
| CHAD L NELSON3 Filed as: CHAD POLLOCK | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $19 | $0 | $19 | 0.29% |
| MICHAEL J LAMOUREUX3 Filed as: MICHAEL LAMOUREUX | 425 UNION ST STE 16 WEST SPRINGFIELD, MA 01089 | AFLAC | $13 | $0 | $13 | 0.20% |
| MICHAEL G RYAN3 Filed as: MICHAEL RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $9 | $0 | $9 | 0.14% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $6 | $0 | $6 | 0.09% |
| BRIAN DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $6 | $0 | $6 | 0.09% |
| MELTON & ASSOCIATES INC3 | 18167 US HIGHWAY 19 N SUITE 525 CLEARWATER, FL 33764 | AFLAC | $5 | $0 | $5 | 0.08% |
| LOUIS FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $2 | $0 | $2 | 0.03% |
| AMIDON & ASSOCIATES INC3 | 160 BENMONT AVE STE 203 BENNINGTON, VT 05201 | AFLAC | $2 | $0 | $2 | 0.03% |
| BRADLEY S JONES3 Filed as: BRADLEY JONES | 19 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $2 | $0 | $2 | 0.03% |
| IAN B BRANYON3 Filed as: IAN BRANYON | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | AFLAC | $1 | $0 | $1 | 0.02% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $1 | $0 | $1 | 0.02% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 121 | 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 | 132 | $812K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $69K |
| Short-term disability(2 contracts) | AFLAC | 67 | $54K |
| Prescription drug | HEALTHNOW NEW YORK, INC. DBA BLUESHIELD OF NORTHEASTERN NEW YORK | 132 | $812K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.