| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE ITASCA, IL 60143 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $61K | $16K | $77K | 6.32% |
| SARAH HUNT3 Filed as: SARAH F HUNT | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $5K | $128 | $5K | 9.59% |
| EVERYDAY MATTERS INC3 | 110 W 86TH ST APT 12D NEW YORK, NY 10024 | AFLAC | $2K | $174 | $3K | 4.54% |
| COLIN J FUCCI3 | 459 PORTLAND ST STE 105 ST JOHNSBURY, VT 05819 | AFLAC | $1K | $27 | $1K | 2.33% |
| DENNIS FENNELL3 | 8 BELVOIR DR WASHINGTONVILLE, NY 10992 | AFLAC | $976 | $35 | $1K | 1.76% |
| KEVIN T DAVIS3 Filed as: KEVIN T. DAVIS | 106 CROSS ST BENNINGTON, VT 05201 | AFLAC | $857 | $0 | $857 | 1.49% |
| ANDREW HUNT3 Filed as: ANDREW W. HUNT | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $457 | $16 | $473 | 0.82% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $430 | $35 | $465 | 0.81% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS ROAD,STE 115 TARRYTOWN, NY 10591 | AFLAC | $306 | $0 | $306 | 0.53% |
| FLOYD AMIDON3 Filed as: FLOYD A AMIDON | 160 BENMONT AVE, STE 203 BENNINGTON, VT 05201 | AFLAC | $278 | $0 | $278 | 0.48% |
| DANA E ERO3 | 5 PINE WEST PLAZA, STE 503 ALBANY, NY 12205 | AFLAC | $212 | $11 | $223 | 0.39% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 5885 MEADOWS RD, STE 320 LAKE OSWEGO, OR 97035 | AFLAC | $221 | $0 | $221 | 0.39% |
| RACHAEL HICKOK3 | 63 ACADEMY STREET GREENWICH, NY 12834 | AFLAC | $120 | $0 | $120 | 0.21% |
| TRICIA TANNER3 Filed as: TRICIA E TANNER | 124 PETERS ROAD GANSEVOORT, NY 12831 | AFLAC | $74 | $0 | $74 | 0.13% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD, STE 1403 FOREST HILLS, NY 11375 | AFLAC | $47 | $0 | $47 | 0.08% |
| JASMYN YAKUBEC3 Filed as: JASMYN KAREN YAKUBEC | 4249 STATE ROUTE 29 SALEM, NY 12865 | AFLAC | $40 | $0 | $40 | 0.07% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $37 | $0 | $37 | 0.06% |
| RONALD J MOGG JR3 | 184 OLD MAMARONECK RD WHITE PLAINS, NY 10605 | AFLAC | $26 | $0 | $26 | 0.05% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE, STE 312 GARDEN CITY, NY 11530 | AFLAC | $26 | $0 | $26 | 0.05% |
| TIMOTHY C CAVAZOS3 | 11551 NUCKOLS RD, STE P GLEN ALLEN, VA 23059 | AFLAC | $21 | $0 | $21 | 0.04% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $21 | $0 | $21 | 0.04% |
| BETH SERFILIPPI3 | 8 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $17 | $0 | $17 | 0.03% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $15 | $0 | $15 | 0.03% |
| CATHY HEDBERG3 | 663 WESTERN AVE ALBANY, NY 12203 | AFLAC | $13 | $0 | $13 | 0.02% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST, STE 8C NEW YORK, NY 10005 | AFLAC | $12 | $0 | $12 | 0.02% |
| TEENA FOSTER3 | 69 PAINT WORKS ROAD BRANDON, VT 05733 | AFLAC | $11 | $0 | $11 | 0.02% |
| NICHOLAS PETERSON3 | 3333 BROADWAY, APT C17H NEW YORK, NY 10031 | AFLAC | $10 | $0 | $10 | 0.02% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $10 | $0 | $10 | 0.02% |
| DONNA TODD RIVERS3 | 208 JASON ST PITTSFIELD, MA 01201 | AFLAC | $6 | $2 | $8 | 0.01% |
| LISA J BRENNAN-JONES3 | 1014 CATHERINE WOODS SCHENECTADY, NY 12309 | AFLAC | $7 | $0 | $7 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $5 | $0 | $5 | 0.01% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $3 | $0 | $3 | 0.01% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $3 | $0 | $3 | 0.01% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $3 | $0 | $3 | 0.01% |
| DONNA TODD RIVERS3 | 64 WHITTIER DR DENNIS, MA 02638 | AFLAC | $2 | $0 | $2 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $0 | $0 | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE ITASCA, IL 60143 | ANTHEM BLUE CROSS BLUE SHIELD | $3K | — | $3K | 13.28% |
| SARAH HUNT3 Filed as: SARAH F HUNT | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $1K | $43 | $1K | 7.79% |
| ANDREW HUNT3 Filed as: ANDREW W HUNT | 320 LAKE SDR NORTH BENNINGTON, VT 05257 | AFLAC | $442 | $0 | $442 | 3.02% |
| COLIN J FUCCI3 Filed as: COLIN FUCCI | PO BOX 1 ST JOHNSBURY, VT 05819 | AFLAC | $244 | $8 | $252 | 1.72% |
| DANA E ERO3 | 5 PINE WEST PLZ, STE 503 ALBANY, NY 12205 | AFLAC | $230 | $9 | $239 | 1.63% |
| ALLYSE MARIE WIENCEK3 | 62 TYLER ST NORTH ADAMS, MA 01247 | AFLAC | $234 | $0 | $234 | 1.60% |
| RACHAEL HICKOK3 | 63 ACADEMY ST GREENWICH, NY 12834 | AFLAC | $116 | $0 | $116 | 0.79% |
| MICHAEL W DILLON3 | 160 SUGAR TREE LN CASCADE, VA 24069 | AFLAC | $101 | $0 | $101 | 0.69% |
| FLOYD AMIDON3 | 160 BENMONT AVE, STE 203 BENNINGTON, VT 05201 | AFLAC | $73 | $0 | $73 | 0.50% |
| STONEYBROOK ADVISORS INC3 | PO BOX 1 ST JOHNSBURY, VT 05819 | AFLAC | $70 | $0 | $70 | 0.48% |
| PHILLIP M GERKEN JR3 | 9529 FORD RD PERRYSBURG, OH 43551 | AFLAC | $47 | $0 | $47 | 0.32% |
| SUZANNE I LOGAN3 | PO BOX 225 LIVINGSTON, NY 12541 | AFLAC | $43 | $0 | $43 | 0.29% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS RD, STE 115 TARRYTOWN, NY 10591 | AFLAC | $37 | $0 | $37 | 0.25% |
| TRACEY H BOURDON3 | 4866 MANDOLIN CT WINTER HAVEN, FL 33884 | AFLAC | $37 | $0 | $37 | 0.25% |
| SCOTT W GAGE3 | PO BOS 1 BOUCKVILLE, NY 13310 | AFLAC | $28 | $0 | $28 | 0.19% |
| MARK A TOPOLSKI3 | 5045 SAN LUIS REY DR SYLVANIA, OH 43560 | AFLAC | $23 | $0 | $23 | 0.16% |
| AARON K BADEN3 | 73 SOUTH ST GREAT BARRINGTON, MA 01230 | AFLAC | $13 | $0 | $13 | 0.09% |
| JOHN A HAWLEY3 | 116 PICKENS CT KINGSPORT, TN 37663 | AFLAC | $13 | — | $13 | 0.09% |
| MICHAEL J LAMOUREUX3 | 425 UNION ST STE 16 WEST SPRINGFIELD, MA 01089 | AFLAC | $12 | — | $12 | 0.08% |
| CHAD A POLLOCK3 | 12323 WATERSTONE LN APT 512 PERRYSBURG, OH 43551 | AFLAC | $11 | — | $11 | 0.08% |
| 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 | $3 | — | $3 | 0.02% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 5885 MEADOWS RD STE 320 LAKE OSWEGO, OR 97035 | AFLAC | $2 | — | $2 | 0.01% |
| MELTON & ASSOCIATES INC3 | PO BOX 336 SUITE 525 SMITHS STATION, AL 36877 | AFLAC | $2 | — | $2 | 0.01% |
| ROBERT JAMES LAMB3 | 53 RIDGEWOOD DR STOW, MA 01775 | AFLAC | $1 | — | $1 | 0.01% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTHKINGSTOWN, RI 02852 | AFLAC | $1 | — | $1 | 0.01% |
| MELISSA NELSON3 | 49 BIRCHWOOD DR ALLENSTOWN, NH 03275 | AFLAC | $1 | — | $1 | 0.01% |
| INGER M PENNINGTON3 | 1369 BERKSHIRE DR MILFORD, OH 45150 | AFLAC | $1 | — | $1 | 0.01% |
| SHAWN M MCDERMOTT3 Filed as: SHAWN MARTON MCDERMOTT | 9543 CONKLIN AVE CINCINNATI, OH 45242 | AFLAC | $1 | — | $1 | 0.01% |
| RUSSELL T BARRETT3 | 665 SARATOGA RD APT 130 GANSEVOORT, NY 12831 | AFLAC | $1 | — | $1 | 0.01% |
| KEVIN R MCINERNEY1 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $1 | — | $1 | 0.01% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $1 | — | $1 | 0.01% |
| IAN B BRANYON3 | 2301 LUCIEN WAY SUITE 150 MAITLAND, FL 32751 | AFLAC | $1 | — | $1 | 0.01% |
| MELTON & ASSOCIATES INC3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $1 | — | $1 | 0.01% |
| JENNIFER L HENRY3 | 68 MASSABESIC DR AUBURN, NH 03032 | 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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 107 | $1.2M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 107 | $1.2M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 107 | $1.2M |
| Life insurance | ANTHEM BLUE CROSS BLUE SHIELD | 142 | $21K |
| Short-term disability(2 contracts) | AFLAC | 67 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.