| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | HEALTH NOW NEW YORK, INC. DBA BLUE SHIELD OF NORTHEASTERN NEW YORK | $39K | — | $39K | 3.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE ITASCA, IL 60143 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $49K | $6K | $54K | 8.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.25% |
| EVERYDAY MATTERS INC3 | 110 W 86TH ST APT 12D NEW YORK, NY 10024 | AFLAC | $5K | $163 | $5K | 9.33% |
| SARAH HUNT3 Filed as: SARAH F HUNT | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $3K | $186 | $4K | 6.55% |
| DENNIS FENNELL3 | 8 BELVOIR DR WASHINGTONVILLE, NY 10992 | AFLAC | $2K | $64 | $2K | 3.19% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $539 | $0 | $539 | 0.99% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $494 | $29 | $523 | 0.96% |
| DANA E ERO3 | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $428 | $32 | $460 | 0.84% |
| COLIN J FUCCI3 | 459 PORTLAND ST STE 105 ST JOHNSBURY, VT 05819 | AFLAC | $353 | $4 | $357 | 0.65% |
| DANA E ERO3 | 40 GORE ROAD PARK BENNINGTON, VT 05201 | AFLAC | $267 | $5 | $272 | 0.50% |
| ANTHONY ORGERA3 Filed as: ANTHONY R OTEGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $228 | $10 | $238 | 0.44% |
| FLOYD AMIDON3 Filed as: FLOYD A AMIDON | 160 BENMONT AVENUE STE 203 BENNINGTON, VT 05201 | AFLAC | $191 | $20 | $211 | 0.39% |
| ANREW W HUNT3 | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $206 | — | $206 | 0.38% |
| FLOYD AMIDON3 Filed as: FLOYD A AMIDON | 160 BENMONT AVENUE STE 203 BENNINGTON, VT 05201 | AFLAC | $191 | $12 | $203 | 0.37% |
| DONNA TODD RIVERS3 | 208 JASON ST PITTSFIELD, MA 01201 | AFLAC | $161 | — | $161 | 0.30% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $80 | $26 | $106 | 0.19% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $55 | — | $55 | 0.10% |
| CHRISTOPHER RUSSO3 Filed as: CHRISTOPHER P RUSSO | PO BOX 348 CLIFTON PARK, NY 12065 | AFLAC | $38 | — | $38 | 0.07% |
| RONALD J MOGG JR3 | 184 OLD MAMARONECK RD WHITE PLAINS, NY 10605 | AFLAC | $37 | — | $37 | 0.07% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIR CORP | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $34 | — | $34 | 0.06% |
| KEVIN T DAVIS3 | 106 CROSS ST BENNINGTON, VT 05201 | AFLAC | $23 | — | $23 | 0.04% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $22 | — | $22 | 0.04% |
| NICHOLAS PETERSON3 | 3333 BROADWAY APT C17H NEW YORK, NY 10031 | AFLAC | $20 | — | $20 | 0.04% |
| TIMOTHY C CAVAZOS3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $20 | — | $20 | 0.04% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $18 | — | $18 | 0.03% |
| BETH SERFILIPPI3 | 8 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $17 | — | $17 | 0.03% |
| CATHY HEDBERG3 | 663 WESTERN AVE ALBANY, NY 12203 | AFLAC | $13 | — | $13 | 0.02% |
| DRUSILLA ROBERTSON3 | 4659 158TH STREET FLUSHING, NY 11358 | AFLAC | $12 | — | $12 | 0.02% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $11 | — | $11 | 0.02% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $11 | — | $11 | 0.02% |
| TEENA FOSTER3 | 69 PAINT WORKS RD BRANDON, VT 05733 | AFLAC | $11 | — | $11 | 0.02% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $11 | — | $11 | 0.02% |
| DRUSILLA ROBERTSON3 | 4659 158TH ST FLUSHING, NY 11358 | AFLAC | $8 | — | $8 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G GALLAGHER | 173 GELSTON AVE APT 3D BROOKLYN, NY 11209 | AFLAC | $8 | — | $8 | 0.01% |
| LISA J BRENNAN-JONES3 | 1014 CATHERINE WOODS SCHENECTADY, NY 12309 | AFLAC | $7 | — | $7 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $4 | — | $4 | 0.01% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $4 | — | $4 | 0.01% |
| RUSSELL T BARRETT3 | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | — | $3 | 0.01% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWSBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.00% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK CT CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $1 | — | $1 | 0.00% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $1 | — | $1 | 0.00% |
| TIMOTHY HENDERSON3 | 13 WILD LAUREL LN HILTON HEAD, SC 29926 | AFLAC | $1 | — | $1 | 0.00% |
| BRENDAN MCCARTHY AND CREW INC3 | 1411 CHILI AVE STE 3 ROCHESTER, NY 14624 | AFLAC | $1 | — | $1 | 0.00% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $1 | — | $1 | 0.00% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $1 | — | $1 | 0.00% |
| SARAH HUNT3 Filed as: SARAH F HUNT | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $2K | $201 | $2K | 13.56% |
| DANA E ERO3 | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $334 | $17 | $351 | 2.32% |
| COLIN J FUCCI3 | PO BOX 1 ST JOHNSBURY, VT 05819 | AFLAC | $218 | $12 | $230 | 1.52% |
| DANA E ERO3 | 40 GORE ROAD PARK BENNINGTON, VT 05201 | AFLAC | $148 | $27 | $175 | 1.16% |
| FLOYD AMIDON3 | 160 BENMONT AVE STE 203 BENNINGTON, VT 05201 | AFLAC | $135 | $32 | $167 | 1.10% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $154 | $0 | $154 | 1.02% |
| ANDREW HUNT3 Filed as: ANDREW W HUNT | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $126 | $11 | $137 | 0.91% |
| ALLYSE MARIE WIENCEK3 | 62 TYLER ST NORTH ADAMS, MA 01247 | AFLAC | $78 | — | $78 | 0.52% |
| PHILLIP M GERKEN JR3 | 9529 FORD RD PERRYSBURG, OH 43551 | AFLAC | $74 | — | $74 | 0.49% |
| TRACEY H BOURDON3 | 4866 MANDOLIN CT WINTER HAVEN, FL 33884 | AFLAC | $37 | — | $37 | 0.24% |
| MARK A TOPOLSKI3 | 5045 SAN LUIS REY DR SYLVANIA, OH 43560 | AFLAC | $37 | — | $37 | 0.24% |
| SUZANNE I LOGAN3 Filed as: SUZANNE I WILSON | PO BOX 225 LIVINGSTON, NY 12541 | AFLAC | $32 | — | $32 | 0.21% |
| SCOTT W GAGE3 | PO BOX 1 BOUCKVILLE, NY 13310 | AFLAC | $28 | — | $28 | 0.19% |
| CHAD A POLLOCK3 | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $17 | — | $17 | 0.11% |
| AARON K BADEN3 | 73 SOUTH ST GREAT BARRINGTON, MA 01230 | AFLAC | $14 | — | $14 | 0.09% |
| MICHAEL J LAMOUREUX3 | 425 UNION ST STE 16 WEST SPRINGFIELD, MA 01089 | AFLAC | $12 | — | $12 | 0.08% |
| SUZANNE I LOGAN3 | PO BOX 225 LIVINGSTON, NY 12541 | AFLAC | $11 | — | $11 | 0.07% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $7 | — | $7 | 0.05% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $5 | — | $5 | 0.03% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $5 | — | $5 | 0.03% |
| MELTON & ASSOCIATES INC3 | PO BOX 336 STE 525 SMITHS STATION, AL 36877 | AFLAC | $3 | — | $3 | 0.02% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $2 | — | $2 | 0.01% |
| JENNIFER L HENRY3 | 68 MASSABESIC DR AUBURN, NH 03275 | AFLAC | $2 | — | $2 | 0.01% |
| MELISSA NELSON3 | 49 BIRCHWOOD DR ALLENSTOWN, NH 03275 | AFLAC | $2 | — | $2 | 0.01% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $2 | — | $2 | 0.01% |
| IAN B BRANYON3 | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $2 | — | $2 | 0.01% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | AFLAC | $1 | — | $1 | 0.01% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVE CICINNATI, OH 45242 | AFLAC | $1 | — | $1 | 0.01% |
| RUSSELL T BARRETT3 | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.01% |
| ROBERT JAMES LAMB3 | 181 DEEPWOOD DRIVE GUILFORD, CT 06437 | AFLAC | $1 | — | $1 | 0.01% |
| AMIDON & ASSOCIATES INC3 | 160 BENMONT AVE STE 203 BENNINGTON, VT 05201 | AFLAC | $1 | — | $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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NOW NEW YORK, INC. DBA BLUE SHIELD OF NORTHEASTERN NEW YORK | 137 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $128K |
| Short-term disability(2 contracts) | AFLAC | 63 | $70K |
| Prescription drug | HEALTH NOW NEW YORK, INC. DBA BLUE SHIELD OF NORTHEASTERN NEW YORK | 137 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.