| 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 | 3.48% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | P.O. BOX 42 NEW HARTFORD, NY 13413 | GUARDIAN | $2K | $5K | $7K | 9.64% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP INC | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $35 | — | $35 | 0.05% |
| ALISHA K ROBINSON3 Filed as: ALISHA ROBINSON | P.O. BOX 272 OLD FORGE, NY 13420 | AFLAC | $653 | $14 | $667 | 4.43% |
| KIMBERLY A BLOISE3 Filed as: KIMBERLY A. BLOISE | 5056 W. SHOREWOOD DRIVE DUNKIRK, NY 14048 | AFLAC | $194 | — | $194 | 1.29% |
| ISADORE BARLOW3 Filed as: ISADORE J. BARLOW | 1004 HAVENBROOK DR. MORRISVILLE, NC 27560 | AFLAC | $188 | — | $188 | 1.25% |
| JEANNE K BLOISE3 Filed as: JEANNE K. BLOISE | 432 ALDER STREET OLEAN, NY 14760 | AFLAC | $185 | — | $185 | 1.23% |
| GREGORY A KRAUZA3 Filed as: GREGORY A. KRAUZA | 35 E. MAIN STREET SUITE 2 FREDONIA, NY 14063 | AFLAC | $178 | — | $178 | 1.18% |
| DAWN PELLERIN3 | 34 TAMARACK DR NEW HARTFORD, NY 13413 | AFLAC | $166 | — | $166 | 1.10% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $150 | $2 | $152 | 1.01% |
| SHANE F LAMAY3 Filed as: SHANE FRANCIS LAMAY | 3380 W. AMERICANA TER SUITE 110 BOISE, ID 83706 | AFLAC | $132 | — | $132 | 0.88% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | AFLAC | $52 | — | $52 | 0.35% |
| STEVEN E DALABA3 Filed as: STEVEN E. DALABA | 7683 SEDGEWICK RIDGE ROAD LEWSIVILLE, NC 27023 | AFLAC | $52 | — | $52 | 0.35% |
| MARY FRANCES CARLTON3 | 3824 HOGAN ROAD VERNON CENTER, NY 13477 | AFLAC | $51 | — | $51 | 0.34% |
| GIBIDES INC3 Filed as: GIBIDES INC. | 7200 CANAAN LANE APT 110 RALEIGH, NC 27615 | AFLAC | $51 | — | $51 | 0.34% |
| STEVEN J O'DELL3 Filed as: STEVEN J. O'DELL | 4970 FLATSTONE ROAD ALLEGANY, NY 14706 | AFLAC | $32 | $9 | $41 | 0.27% |
| MICHAEL P FARLEY3 Filed as: MICHAEL P. FARLEY | 1412 SWEET HOME ROAD SUITE 2 AMHERST, NY 14228 | AFLAC | $32 | $9 | $41 | 0.27% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | P.O. BOX 542 NEW HARTFORD, NY 13413 | AFLAC | $40 | — | $40 | 0.27% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY D. MAZUROWSKI | 156 DEER RDG GETZVILLE, NY 14068 | AFLAC | $39 | — | $39 | 0.26% |
| ANGELINA CONCIALDI3 Filed as: ANGELINA L. CONCIALDI | 4 RUMSEY ROAD BUFFALO, NY 14209 | AFLAC | $15 | $13 | $28 | 0.19% |
| AMY S. HERMAN3 | 12279 FLETCHER CHAPEL ROAD MEDINA, NY 14103 | AFLAC | $15 | $13 | $28 | 0.19% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS K. GATHRIGHT JR. | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $21 | — | $21 | 0.14% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES, INC. | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $18 | — | $18 | 0.12% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $18 | — | $18 | 0.12% |
| TODD HENNESSY3 Filed as: TODD M HENNESSY | 78 GARDEN COURT BUFFALO, NY 14226 | AFLAC | $16 | — | $16 | 0.11% |
| TED COLUCCI3 | 299 WISCONSIN STREET ROCHESTER, NY 14609 | AFLAC | $10 | — | $10 | 0.07% |
| KELLY A IRVINE3 Filed as: KELLY A. IRVINE | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $7 | — | $7 | 0.05% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $4 | — | $4 | 0.03% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $4 | — | $4 | 0.03% |
| LAURA BOHANNON3 | 23 S. MARVINE AVE. AUBURN, NY 13021 | AFLAC | $2 | — | $2 | 0.01% |
| RUSSELL T BARRETT3 Filed as: RUSSELL T. BARRETT | 665 SARATOGA ROAD APT. 130 GANSEVOORT, NY 12831 | AFLAC | $2 | — | $2 | 0.01% |
| DUCK & COVER NY INC3 Filed as: DUCK & COVER NY INC. | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.01% |
| LAURIE L SMITH3 Filed as: LAURIE L. SMITH | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | 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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 159 | $2.1M |
| Dental | GUARDIAN | 87 | $70K |
| Other | AFLAC | 31 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.