| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE SUITE 410 CLEAVELAND, OH 44113 | EMPIRE MERCHANTS NORTH LLC | $52K | $2K | $53K | 2.13% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EMPIRE MERCHANTS NORTH LLC | $5K | — | $5K | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 60694 | HIGHMARK WESTEN AND NORTHEASTERN NEW YORK | $34K | — | $34K | 3.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVLAND, OH 44133 | STANDARD INSURANCE COMPANY | $18K | $8K | $27K | 13.10% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE SUITE 410 CLEAVELAND, OH 44113 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $7K | — | $7K | 9.99% |
| RACHAEL HICKOK3 | 63 ACADEMY STREET GREENWICH, NY 12834 | AFLAC | $2K | — | $2K | 5.86% |
| SARAH HUNT3 | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $342 | — | $342 | 0.91% |
| COLIN J FUCCI3 Filed as: COLIN FUCCI | 459 PORTLAND ST STE 105 ST. JOHNSBURY, VT 05819 | AFLAC | $298 | — | $298 | 0.79% |
| DALTON SCOTT DREW3 | 63 ACADEMY ST GREENWICH, NY 12834 | AFLAC | $284 | — | $284 | 0.76% |
| DENNIS FENNELL3 | 8 BELVOIR DR WASHINGTONVILLE, NY 10992 | AFLAC | $265 | — | $265 | 0.70% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINIER PL WEST LINN, OR 97068 | AFLAC | $199 | — | $199 | 0.53% |
| AMY PETERS3 | 20 WILLOW LN WYNANTSKILL, NY 12198 | AFLAC | $190 | — | $190 | 0.51% |
| BARBARA ANN BLAKE3 | 110 W 86TH ST APT 12D NEW YORK, NY 10024 | AFLAC | $180 | — | $180 | 0.48% |
| FLOYD AMIDON3 | 160 BENMONT AVE STE 203 BENNINGTON, VT 05201 | AFLAC | $130 | — | $130 | 0.35% |
| ANTHONY ORGERA3 Filed as: ANTHONY ORGERA INC | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $65 | — | $65 | 0.17% |
| JASON SALLEMI3 | 302 MONROE ST APT 4B HOBOKEN, NJ 07030 | AFLAC | $53 | — | $53 | 0.14% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $36 | — | $36 | 0.10% |
| TREVOR FENNELL3 | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $35 | — | $35 | 0.09% |
| TRICIA TANNER3 | 124 PETERS RD GANSEVOORT, NY 12831 | AFLAC | $28 | — | $28 | 0.07% |
| JASMYN YAKUBEC3 | 4249 STATE ROUTE 29 SALEM, NY 12865 | AFLAC | $27 | — | $27 | 0.07% |
| RONALD J MOGG JR3 | 184 OLD MAMARONECK RD WHITE PLAINS, NY 10605 | AFLAC | $25 | — | $25 | 0.07% |
| DANA E ERO3 Filed as: DANA ERO | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $20 | — | $20 | 0.05% |
| KENNETH MEIER3 Filed as: KENNETH MEIER CORP | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $20 | — | $20 | 0.05% |
| ANDREW HUNT3 | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $16 | — | $16 | 0.04% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $13 | — | $13 | 0.03% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI II INC | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $13 | — | $13 | 0.03% |
| MOLLY HUBBARD3 | 224 E 7TH ST APT 9 NEW YORK, NY 10009 | AFLAC | $11 | — | $11 | 0.03% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $11 | — | $11 | 0.03% |
| BETH SERFILIPPI3 Filed as: BETH SERFLIPPI | 8 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $11 | — | $11 | 0.03% |
| CATHY HEDBERG3 | 25 STARBUCK DR UNIT 409 TROY, NY 12183 | AFLAC | $8 | — | $8 | 0.02% |
| TIMOTHY CAVAZOS3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $8 | — | $8 | 0.02% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $6 | — | $6 | 0.02% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 15804 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $5 | — | $5 | 0.01% |
| LISA J BRENNAN-JONES3 Filed as: LISA BRENNAN-JONES | 29 OAK LN LAKE GEORGE, NY 12845 | AFLAC | $5 | — | $5 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $4 | — | $4 | 0.01% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $2 | — | $2 | 0.01% |
| RACHAEL HICKOK3 | 63 ACADEMY STREET GREENWICH, NY 12834 | AFLAC | $343 | $37 | $380 | 4.68% |
| FLOYD AMIDON3 | 160BENMONT AVE STE 203 BENNINGTON, VT 05201 | AFLAC | $81 | $8 | $89 | 1.10% |
| AMY PETERS3 | 20 WILLOW LANE WYNANTSKILL, NY 12198 | AFLAC | $64 | $12 | $76 | 0.94% |
| SARAH HUNT3 | 320 LAKE DRIVE NORTH BENNINGTON, VT 05257 | AFLAC | $73 | — | $73 | 0.90% |
| DALTON SCOTT DREW3 | 63 ACADEMY STREET GREENWICH, NY 12834 | AFLAC | $44 | $21 | $65 | 0.80% |
| DANA E ERO3 Filed as: DANA ERO | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $45 | — | $45 | 0.55% |
| PHILLIP M GERKEN JR3 | 9529 FORD RD PERRYSBURG, OH 43551 | AFLAC | $45 | — | $45 | 0.55% |
| COLIN J FUCCI3 Filed as: COLIN FUCCI | PO BOX 1 ST. JOHNSBURY, VT 05819 | AFLAC | $38 | — | $38 | 0.47% |
| TRACEY H BOURDON3 Filed as: TRACEY BOURDON | 4866 MANDOLIN CT WINTER HAVEN, FL 33884 | AFLAC | $38 | — | $38 | 0.47% |
| ANDREW HUNT3 | 320 LAKE DR NORTH BENNINGTON, VT 05257 | AFLAC | $33 | — | $33 | 0.41% |
| JASMYN YAKUBEC3 | 4249 STATE ROUTE 29 SALEM, NY 12865 | AFLAC | $25 | — | $25 | 0.31% |
| MARK J MATSOCK & ASSOCIATES INC3 Filed as: MARK TOPOLSKI | 5045 SAN LUIS REY DR SYLVANIA, OH 43560 | AFLAC | $22 | — | $22 | 0.27% |
| STONYBROOK FINANCIAL SERVICES3 | PO BOX 1 ST. JOHNSBURY, VT 05819 | AFLAC | $22 | — | $22 | 0.27% |
| CHAD L NELSON3 Filed as: CHAD POLLOCK | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $11 | — | $11 | 0.14% |
| MICHAEL G RYAN3 Filed as: MICHAEL RYAN | PO BOX 60 CHROMO, CO 81128 | AFLAC | $7 | — | $7 | 0.09% |
| SUZANNE I LOGAN3 Filed as: SUZANNE LOGAN | PO BOX 225 LIVINGSTON, NY 12541 | AFLAC | $4 | — | $4 | 0.05% |
| SUSAN BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $4 | — | $4 | 0.05% |
| BRIAN DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $3 | — | $3 | 0.04% |
| IAN B BRANYON3 Filed as: IAN BRANYON | 9300 HARRIS CORNERS PKWY STE 100 CHARLOTTE, NC 28269 | AFLAC | $1 | — | $1 | 0.01% |
| AARON K BADEN3 Filed as: AARON BADEN | 73 SOUTH ST GREAT BARRINGTON, MA 01230 | 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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTEN AND NORTHEASTERN NEW YORK | 64 | $1.0M |
| Dental | EMPIRE MERCHANTS NORTH LLC | 254 | $2.5M |
| Vision | EMPIRE MERCHANTS NORTH LLC | 254 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 405 | $274K |
| Short-term disability(2 contracts) | AFLAC | 42 | $46K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 405 | $274K |
| Prescription drug | HIGHMARK WESTEN AND NORTHEASTERN NEW YORK | 64 | $1.0M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 405 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.