| 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 | $74K | — | $74K | 3.25% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY | P.O. BOX 542 NEW HARTFORD, NY 13413 | GUARDIAN | $3K | $4K | $7K | 7.45% |
| GREGORY A KRAUZA3 Filed as: GREGORY KRAUZA | 35 E MAIN STREET STE2 FREDONIA, NY 14063 | AFLAC | $458 | $35 | $493 | 2.84% |
| KIMBERLY A BLOISE3 | 5056 W SHOREWOOD DR DUNKIRK, NY 14048 | AFLAC | $295 | — | $295 | 1.70% |
| ISADORE BARLOW3 | 115 E. MOSHER STREET FALCONER, NY 14733 | AFLAC | $288 | — | $288 | 1.66% |
| DAWN PELLERIN3 Filed as: DAWN M. PELLERIN | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $212 | — | $212 | 1.22% |
| JAMES BLOISE JR3 | 42 S SHORE ROAD CUBA, NY 14727 | AFLAC | $156 | — | $156 | 0.90% |
| SHANE F LAMAY3 Filed as: SHANE LAMAY | 850 S TAMIAMI TRL APT 325 SARASOTA, FL 34236 | AFLAC | $140 | — | $140 | 0.81% |
| JEANNE K BLOISE3 | 432 ALDER STREET OLEAN, NY 14760 | AFLAC | $114 | — | $114 | 0.66% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 13 ARTERIAL EAST P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $110 | — | $110 | 0.63% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | AFLAC | $109 | — | $109 | 0.63% |
| MARY FRANCES CARLTON3 | 3824 HOGAN ROAD VERNON CENTER, NY 13477 | AFLAC | $84 | — | $84 | 0.48% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY MAZUROWSKI | 97 CHAUMONT DRIVE WILLIAMSVILLE, NY 14221 | AFLAC | $57 | $6 | $63 | 0.36% |
| GIBIDES INC3 | 1901 CRAG BURN LN RALEIGH, NC 27604 | AFLAC | $57 | — | $57 | 0.33% |
| STEVEN DALABA3 | 1215 PEBBLE MEADOWS DRIVE LEWISVILLE, NC 27023 | AFLAC | $53 | — | $53 | 0.30% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | P.O. BOX 542 NEW HARTFORD, NY 13413 | AFLAC | $43 | — | $43 | 0.25% |
| MICHAEL P FARLEY3 Filed as: MICHAEL FARLEY | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $37 | — | $37 | 0.21% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $34 | — | $34 | 0.20% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $25 | — | $25 | 0.14% |
| TODD HENNESSY3 | 78 GARDEN CT BUFFALO, NY 14226 | AFLAC | $22 | — | $22 | 0.13% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BOULEVARD LATHAM, NY 12110 | AFLAC | $21 | — | $21 | 0.12% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $5 | — | $5 | 0.03% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 333 GLEN STREET SUITE 201 GLENS FALLS, NY 12801 | AFLAC | $2 | $1 | $3 | 0.02% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $1 | $1 | $2 | 0.01% |
| TED COLUCCI3 | 299 WISCONSIN STREET ROCHESTER, NY 14609 | AFLAC | $2 | — | $2 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | 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 | 252 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 192 | $2.3M |
| Dental | GUARDIAN | 110 | $97K |
| Other | AFLAC | 36 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.