| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 100 MERIDIAN CENTRE BLVD. SUITE 100 ROCHESTER, NY 14618 | HEALTH NOW NEW YORK, INC. DBA BLUE SHIELD OF NORTHEASTERN NEW YORK | $38K | — | $38K | 3.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $949 | $4K | 5.52% |
| EVERYDAY MATTERS INC3 Filed as: EVERYDAY MATTERS INC. | 110 W 86TH ST APT 12D NEW YORK, NY 10024 | AFLAC | $4K | $43 | $4K | 8.25% |
| SARAH HUNT3 | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $3K | $189 | $3K | 6.47% |
| DENNIS FENNELL3 | 8 BELVOIR DR WASHINGTONVILLE, NY 10992 | AFLAC | $1K | $66 | $1K | 3.15% |
| DANA E ERO3 Filed as: DANA ERO | 145 PINE HAVEN SHORES RD SHELBURNE, VT 05482 | AFLAC | $865 | $89 | $954 | 2.02% |
| FLOYD AMIDON3 | 160 BENMONT AVENUE SUITE 203 BENNINGTON, VT 05201 | AFLAC | $652 | $50 | $702 | 1.48% |
| JOSEPH FOXLEY3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $590 | $0 | $590 | 1.25% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $404 | $29 | $433 | 0.92% |
| LEONARD BUCCELLATO3 | 21 FELTER HILL RD MONROE, NY 10950 | AFLAC | $355 | $0 | $355 | 0.75% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C ATTN AFLAC NEW YORK, NY 10005 | AFLAC | $216 | $0 | $216 | 0.46% |
| ANDREW HUNT3 | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $112 | $0 | $112 | 0.24% |
| LUCRETIA FLEURY-CARTER3 | 9 SENTRY PL APT SR SCARSDALE, NY 10583 | AFLAC | $90 | $0 | $90 | 0.19% |
| CHRISTOPHER RUSSO3 | PO BOX 348 CLIFTON PARK, NY 12065 | AFLAC | $63 | $0 | $63 | 0.13% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $63 | $0 | $63 | 0.13% |
| RONALD J MOGG JR3 Filed as: RONALD MOGG JR | 184 OLD MAMARONECK RD WHITE PLAINS, NY 10605 | AFLAC | $50 | $0 | $50 | 0.11% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $28 | $20 | $48 | 0.10% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $41 | $0 | $41 | 0.09% |
| DRUSILLA ROBERTSON3 | 4659 158TH STREET FLUSHING, NY 11358 | AFLAC | $36 | $0 | $36 | 0.08% |
| NICHOLAS PETERSON3 | 3333 BROADWAY APT C17H NEW YORK, NY 10031 | AFLAC | $31 | $0 | $31 | 0.07% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER LUBELSKY | 80 JOHN ST 11C NEW YORK, NY 10038 | AFLAC | $17 | $12 | $29 | 0.06% |
| TEENA FOSTER3 | 69 PAINT WORKS RD BRANDON, VT 05733 | AFLAC | $20 | $5 | $25 | 0.05% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $24 | $0 | $24 | 0.05% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $22 | $0 | $22 | 0.05% |
| TIMOTHY CAVAZOS3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $21 | $0 | $21 | 0.04% |
| COLIN J FUCCI3 Filed as: COLIN FUCCI | 459 PORTLAND ST STE 105 ST JOHNSBURY, VT 05819 | AFLAC | $21 | $0 | $21 | 0.04% |
| BETH SERFILIPPI3 | 8 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $17 | $0 | $17 | 0.04% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $15 | $0 | $15 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVE APT 3D BROOKLYN, NY 11209 | AFLAC | $14 | $0 | $14 | 0.03% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $14 | $0 | $14 | 0.03% |
| CATHY HEDBERG3 | 663 WESTERN AVE ALBANY, NY 12203 | AFLAC | $13 | $0 | $13 | 0.03% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $12 | $0 | $12 | 0.03% |
| TRACEY H BOURDON3 Filed as: TRACEY BOURDON | 4866 MANDOLIN COURT WINTER HAVEN, FL 33884 | AFLAC | $10 | $0 | $10 | 0.02% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | 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% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $7 | $0 | $7 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $6 | $0 | $6 | 0.01% |
| GINA GRAZIANO3 | 710 6TH AVE APT 1A BROOKLYN, NY 11215 | AFLAC | $3 | $0 | $3 | 0.01% |
| BRENDAN MCCARTHY AND CREW INC3 | 1411 CHILI AVE STE 3 ROCHESTER, NY 14624 | AFLAC | $3 | $0 | $3 | 0.01% |
| SUSAN CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $3 | $0 | $3 | 0.01% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $3 | $0 | $3 | 0.01% |
| KENNETH J HANNAN3 Filed as: KENNETH HANNAN | 5 FRIAR TUCK COURT CLIFTON PARK, NY 12065 | AFLAC | $1 | $0 | $1 | 0.00% |
| LAURIE SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $1 | $0 | $1 | 0.00% |
| TIMOTHY HENDERSON3 | 13 WILD LAUREL LN HILTON HEAD, SC 29926 | AFLAC | $1 | $0 | $1 | 0.00% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $1 | $0 | $1 | 0.00% |
| SUSAN BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $1 | $0 | $1 | 0.00% |
| SARAH HUNT3 | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $2K | $36 | $2K | 17.60% |
| DANA E ERO3 Filed as: DANA ERO | 145 PINE HAVEN SHORES RD SHELBURNE, VT 05482 | AFLAC | $415 | $2 | $417 | 3.88% |
| FLOYD AMIDON3 | 160 BENMONT AVE. STE 203 BENNINGTON, VT 05201 | AFLAC | $287 | $11 | $298 | 2.77% |
| ANDREW HUNT3 | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $187 | $0 | $187 | 1.74% |
| JOSEPH FOXLEY3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $146 | $0 | $146 | 1.36% |
| SUZANNE WILSON3 | PO BOX 652 MONTEREY, MA 01245 | AFLAC | $117 | $27 | $144 | 1.34% |
| PHILLIP M GERKEN JR3 Filed as: PHILLIP GERKEN JR | 9529 FORD RD PERRYSBURG, OH 43551 | AFLAC | $74 | $0 | $74 | 0.69% |
| COLIN J FUCCI3 Filed as: COLIN FUCCI | PO BOX 1 ST JOHNSBURY, VT 05819 | AFLAC | $42 | $0 | $42 | 0.39% |
| TRACEY H BOURDON3 Filed as: TRACEY BOURDON | 4866 MANDOLIN CT WINTER HAVEN, FL 33884 | AFLAC | $38 | $0 | $38 | 0.35% |
| MARK J MATSOCK & ASSOCIATES INC3 Filed as: MARK TOPOLSKI | 5045 SAN LUIS REY DR SYLVANIA, OH 43560 | AFLAC | $37 | $0 | $37 | 0.34% |
| SCOTT W GAGE3 Filed as: SCOTT GAGE | PO BOX 1 BOUCKVILLE, NY 13310 | AFLAC | $29 | $0 | $29 | 0.27% |
| AARON K BADEN3 Filed as: AARON BADEN | 73 SOUTH ST GREAT BARRINGTON, MA 01230 | AFLAC | $24 | $5 | $29 | 0.27% |
| CHAD L NELSON3 Filed as: CHAD POLLOCK | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $17 | $0 | $17 | 0.16% |
| MICHAEL J LAMOUREUX3 Filed as: MICHAEL LAMOUREUX | 425 UNION ST. STE 16 WEST SPRINGFIELD, MA 01089 | AFLAC | $12 | $0 | $12 | 0.11% |
| MICHAEL G RYAN3 Filed as: MICHAEL RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $7 | $0 | $7 | 0.07% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $6 | $0 | $6 | 0.06% |
| BRIAN DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $6 | $0 | $6 | 0.06% |
| MELTON & ASSOCIATES INC3 Filed as: MELTON & ASSOCIATES INC. | 18167 US HIGHWAY 19N SUITE 525 CLEARWATER, FL 33764 | AFLAC | $4 | $0 | $4 | 0.04% |
| AMIDON & ASSOCIATES INC3 | 160 BENMONT AVE. STE 203 BENNINGTON, VT 05201 | AFLAC | $2 | $1 | $3 | 0.03% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $2 | $0 | $2 | 0.02% |
| IAN B BRANYON3 Filed as: IAN BRANYON | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $2 | $0 | $2 | 0.02% |
| LOUIS FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $2 | $0 | $2 | 0.02% |
| SHAWN M MCDERMOTT3 Filed as: SHAWN MCDERMOTT | 9543 CONKLIN AVE CINCINNATI, OH 45242 | AFLAC | $1 | $0 | $1 | 0.01% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | AFLAC | $1 | $0 | $1 | 0.01% |
| MELISSA NELSON3 | 28 ARIEL ST LINCOLN, ME 04457 | AFLAC | $1 | $0 | $1 | 0.01% |
| JENNIFER L HENRY3 Filed as: JENNIFER HENRY | 68 MASSABESIC DRIVE AUBURN, NH 03032 | AFLAC | $1 | $0 | $1 | 0.01% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DRIVE SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NOW NEW YORK, INC. DBA BLUE SHIELD OF NORTHEASTERN NEW YORK | 136 | $962K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 216 | $69K |
| Short-term disability(2 contracts) | AFLAC | 66 | $58K |
| Prescription drug | HEALTH NOW NEW YORK, INC. DBA BLUE SHIELD OF NORTHEASTERN NEW YORK | 136 | $962K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.