| 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 BLUE CROSS BLUE SHIELD | $73K | — | $73K | 3.37% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | P.O. BOX 542 NEW HARTFORD, NY 13413 | GUARDIAN | $2K | $5K | $7K | 10.59% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP INC | 600 DELAWARE AVE. BUFFALO, NY 14202 | GUARDIAN | $43 | — | $43 | 0.06% |
| AMY S. HERMAN3 Filed as: AMY HERMAN | 12279 FLETCHER CHAPEL ROAD MEDINA, NY 14103 | AFLAC | $347 | — | $347 | 2.26% |
| ANGELINA CONCIALDI3 | 4 RUMSEY ROAD BUFFALO, NY 14209 | AFLAC | $347 | — | $347 | 2.26% |
| ALISHA K ROBINSON3 Filed as: ALISHA ROBINSON | P.O. BOX 272 OLD FORGE, NY 13420 | AFLAC | $225 | — | $225 | 1.47% |
| KIMBERLY A BLOISE3 | 5056 W. SHOREWOOD DRIVE DUNKIRK, NY 14048 | AFLAC | $216 | — | $216 | 1.41% |
| JAMES BLOISE JR3 Filed as: JAMES BLOISE | 42 S SHORE ROAD CUBA, NY 14727 | AFLAC | $207 | — | $207 | 1.35% |
| ISADORE BARLOW3 | 1004 HAVENBROOK DR MORRISVILLE, NC 27560 | AFLAC | $206 | — | $206 | 1.34% |
| GREGORY A KRAUZA3 Filed as: GREGORY KRAUZA | 35 E. MAIN ST STE 2 FREDONIA, NY 14063 | AFLAC | $178 | — | $178 | 1.16% |
| DAWN PELLERIN3 | 34 TAMARACK DR NEW HARTFORD, NY 13413 | AFLAC | $166 | — | $166 | 1.08% |
| STEVEN J O'DELL3 Filed as: STEVEN O'DELL | 4970 FLATSTONE ROAD ALLEGHANY, NY 14706 | AFLAC | $157 | — | $157 | 1.02% |
| MICHAEL P FARLEY3 Filed as: MICHAEL FARLEY | 1412 SWEET HOME RD SUITE 2 AMHERST, NY 14228 | AFLAC | $138 | — | $138 | 0.90% |
| SHANE F LAMAY3 Filed as: SHANE LAMAY | 3380 W AMERICANA TER STE 110 BOISE, ID 83706 | AFLAC | $134 | — | $134 | 0.87% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 63 GENESEE ST STE 2 P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $96 | — | $96 | 0.63% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | AFLAC | $65 | — | $65 | 0.42% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $52 | — | $52 | 0.34% |
| MARY FRANCES CARLTON3 Filed as: MARY FRANICS CARLTON | 3824 HOGAN ROAD VERNON CENTER, NY 13477 | AFLAC | $51 | — | $51 | 0.33% |
| GIBIDES INC3 | 7200 CANAAN LN APT 110 RALEIGH, NC 27615 | AFLAC | $51 | — | $51 | 0.33% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY MAZUROWSKI | 156 DEER RDG GETZVILLE, NY 14068 | AFLAC | $40 | — | $40 | 0.26% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | AFLAC | $40 | — | $40 | 0.26% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $23 | — | $23 | 0.15% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $20 | — | $20 | 0.13% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES INC. | 19 BRITISH AMERICAN BOULEVARD LATHAM, NY 12110 | AFLAC | $18 | — | $18 | 0.12% |
| TODD HENNESSY3 | 78 GARDEN CT BUFFALO, NY 14226 | AFLAC | $17 | — | $17 | 0.11% |
| TED COLUCCI3 | 299 WISCONSIN STREET ROCHESTER, NY 14609 | AFLAC | $11 | — | $11 | 0.07% |
| PATRICK J ENGASSER3 Filed as: PATRICK ENGASSER | 190 CONANT DRIVE TONAWANDA, NY 14223 | AFLAC | $9 | — | $9 | 0.06% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DRIVE ESTERO, FL 33928 | AFLAC | $7 | — | $7 | 0.05% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES | 158 PRINTERS LANE NEW LONDON, CT 28127 | AFLAC | $4 | — | $4 | 0.03% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $4 | — | $4 | 0.03% |
| DUCK & COVER NY INC3 Filed as: DUCK & COVER NY INC. | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.01% |
| RUSSELL T BARRETT3 | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.01% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $1 | — | $1 | 0.01% |
| LAURA BOHANNON3 | 23 S. MARVINE AVE AUBURN, NY 13021 | 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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 172 | $2.2M |
| Dental | GUARDIAN | 89 | $69K |
| Other | AFLAC | 31 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.