| 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 | $71K | — | $71K | 3.42% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | GUARDIAN | $2K | $6K | $9K | 10.61% |
| DAWN PELLERIN3 | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $567 | — | $567 | 3.41% |
| GREGORY A KRAUZA3 Filed as: GREGORY KARUZA | 35 E MAIN ST STE 2 FREDONIA, NY 14063 | AFLAC | $305 | $35 | $340 | 2.05% |
| KIMBERLY A BLOISE3 | 5056 W SHOREWOOD DRIVE DUNKIRK, NY 14048 | AFLAC | $271 | — | $271 | 1.63% |
| ISADORE BARLOW3 | 1004 HAVENBROOK DR MORRISVILLE, NY 27560 | AFLAC | $265 | — | $265 | 1.60% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 63 GENESEE ST STE 2 PO BOX 130 AUBURN, NY 13021 | AFLAC | $149 | — | $149 | 0.90% |
| JAMES BLOISE JR3 Filed as: JAMES BLOISE | 42 S SHORE ROAD CUBA, NY 14727 | AFLAC | $138 | — | $138 | 0.83% |
| SHANE F LAMAY3 Filed as: SHANE LAMAY | 850 S TAMIAMI TRL APT 325 SARASOTA, FL 34236 | AFLAC | $114 | — | $114 | 0.69% |
| JEANNE K BLOISE3 | 432 ALDER ST OLEAN, NY 14760 | AFLAC | $111 | — | $111 | 0.67% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | AFLAC | $78 | — | $78 | 0.47% |
| MARY FRANCES CARLTON3 Filed as: MARY FRANCIS CARLTON | 3824 HOGAN ROAD VERNON CENTER, NY 13477 | AFLAC | $62 | — | $62 | 0.37% |
| STEVEN E DALABA3 | 405 CRAVER POINTE DR CLEMMONS, NC 27012 | AFLAC | $60 | — | $60 | 0.36% |
| GIBIDES INC3 | 1901 CRAG BURN LN RALEIGH, NC 27604 | AFLAC | $51 | — | $51 | 0.31% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY MAZUROWSKI | 97 CHAUMONT DR WILLIAMSVILLE, NY 14221 | AFLAC | $49 | — | $49 | 0.30% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | AFLAC | $40 | — | $40 | 0.24% |
| MICHAEL P FARLEY3 Filed as: MICHAEL FARLEY | 1412 SWEET HOME RD STE 2 ANHERST, NY 14228 | AFLAC | $26 | $6 | $32 | 0.19% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $31 | — | $31 | 0.19% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $24 | — | $24 | 0.14% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BOULEVARD LATHAM, NY 12110 | AFLAC | $20 | — | $20 | 0.12% |
| TODD HENNESSY3 | 78 GARDEN CT BUFFALO, NY 14226 | AFLAC | $19 | — | $19 | 0.11% |
| TED COLUCCI3 | 299 WISCONSIN STREET ROCHESTER, NY 14609 | AFLAC | $11 | — | $11 | 0.07% |
| KELLY A IRVINE3 | 4480 GOLDEN LAKE DR SARASOTA, FL 34233 | AFLAC | $9 | — | $9 | 0.05% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $4 | — | $4 | 0.02% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $3 | — | $3 | 0.02% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $3 | — | $3 | 0.02% |
| RUSSELL T BARRETT3 | 10 AZALEA DR SRATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.01% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY ROAD PITTSFORD, NY 14534 | 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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 192 | $2.1M |
| Dental | GUARDIAN | 87 | $80K |
| Other | AFLAC | 35 | $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.