| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | P.O. BOX 542 NEW HARTFORD, NY 13413 | EXCELLUS BLUECROSS BLUESHIELD | $77K | — | $77K | 3.18% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | P.O. BOX 542 NEW HARTFORD, NY 13413 | GUARDIAN | $3K | — | $3K | 2.87% |
| GREGORY A KRAUZA3 | P.O. BOX 12 FREDONIA, NY 14063 | AFLAC | $706 | — | $706 | 4.34% |
| KIMBERLY A BLOISE3 | 5056 W SHOREWOOD DRIVE DUNKIRK, NY 14048 | AFLAC | $287 | — | $287 | 1.76% |
| DAWN PELLERIN3 | 34 TAMARACK DRIVE NEW HARTORD, NY 13413 | AFLAC | $261 | $20 | $281 | 1.73% |
| ISADORE BARLOW3 Filed as: ISADORE J BARLOW | 115 E MOSHER STREET FALCONER, NY 14733 | AFLAC | $276 | — | $276 | 1.70% |
| JEANNE K BLOISE3 | 432 ALDER STREET OLEAN, NY 14760 | AFLAC | $260 | — | $260 | 1.60% |
| SHANE F LAMAY3 Filed as: SHANE FRANCIS LAMAY | 303 BOBBY JONES ROAD SARASOTA, FL 34232 | AFLAC | $116 | $35 | $151 | 0.93% |
| GREGORY D MAZUROWSKI3 | 97 CHAUMONT DRIVE WILLIAMSVILLE, NY 14221 | AFLAC | $114 | $6 | $120 | 0.74% |
| JOSEPH P CALARCO3 | 13 ARTERIAL EAST P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $114 | $3 | $117 | 0.72% |
| MARY FRANCES CARLTON3 | 3824 HOGAN ROAD VERNON CENTER, NY 13477 | AFLAC | $98 | — | $98 | 0.60% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | AFLAC | $92 | — | $92 | 0.57% |
| GIBIDES INC3 | 1901 CRAG BURN LANE RALEIGH, NC 27604 | AFLAC | $68 | — | $68 | 0.42% |
| STEVEN DALABA3 | 1215 PEBBLE MEADOWS DRIVE LEWISVILLE, NC 27023 | AFLAC | $55 | — | $55 | 0.34% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | P.O. BOX 542 NEW HARTFORD, NY 13413 | AFLAC | $51 | — | $51 | 0.31% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES & ASSOCIATES INC | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $24 | $9 | $33 | 0.20% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $33 | — | $33 | 0.20% |
| TODD HENNESSY3 | 78 GARDEN COURT BUFFALO, NY 14226 | AFLAC | $30 | — | $30 | 0.18% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $24 | — | $24 | 0.15% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $7 | — | $7 | 0.04% |
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 | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 208 | $2.4M |
| Dental | GUARDIAN | 107 | $99K |
| Other | AFLAC | 40 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.