| 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 | $61K | — | $61K | 3.89% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | P.O. BOX 542 NEW HARTFORD, NY 13413 | GUARDIAN | $3K | $5K | $7K | 10.28% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP INC | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $100 | — | $100 | 0.14% |
| ALISHA K ROBINSON3 | P.O. BOX 272 OLD FORGE, NY 13420 | AFLAC | $639 | $70 | $709 | 4.35% |
| GREGORY A KRAUZA3 | 35 E MAIN STREET SUITE 2 FREDONIA, NY 14063 | AFLAC | $250 | — | $250 | 1.53% |
| MICHAEL P FARLEY3 | 1412 SWEET HOME ROAD SUITE 2 AMHERST, NY 14228 | AFLAC | $189 | — | $189 | 1.16% |
| KIMBERLY A BLOISE3 | 5056 W SHOREWOOD DR DUNKIRK, NY 14048 | AFLAC | $170 | — | $170 | 1.04% |
| ISADORE BARLOW3 Filed as: ISADORE J. BARLOW | 1004 HAVENBROOK DR. MORRISVILLE, NC 27560 | AFLAC | $166 | — | $166 | 1.02% |
| JOSEPH P CALARCO3 | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $151 | $11 | $162 | 0.99% |
| JEANNE K BLOISE3 Filed as: JEANNE K. BLOISE | 432 ALDER STREET OLEAN, NY 14760 | AFLAC | $161 | — | $161 | 0.99% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $153 | — | $153 | 0.94% |
| SHANE F LAMAY3 Filed as: SHANE FRANCIS LAMAY | 6311 ATRIUM DRIVE SUITE 204 LAKEWOOD RANCH, FL 34202 | AFLAC | $122 | — | $122 | 0.75% |
| JONATHAN FRYER3 | 224 PINE STREET SOUTH DAYTON, NY 14138 | AFLAC | $52 | — | $52 | 0.32% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $52 | — | $52 | 0.32% |
| GIBIDES INC3 | 7200 CANAAN LN APT 110 RALEIGH, NC 27615 | AFLAC | $51 | — | $51 | 0.31% |
| MARY FRANCES CARLTON3 | 3824 HOGAN ROAD VERNON CENTER, NY 13477 | AFLAC | $51 | — | $51 | 0.31% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | AFLAC | $40 | — | $40 | 0.25% |
| GREGORY D MAZUROWSKI3 | 156 DEER RIDGE GETZVILLE, NY 14068 | AFLAC | $38 | — | $38 | 0.23% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | AFLAC | $38 | — | $38 | 0.23% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $18 | — | $18 | 0.11% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $17 | — | $17 | 0.10% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $17 | — | $17 | 0.10% |
| TODD HENNESSY3 | 78 GARDEN CT BUFFALO, NY 14226 | AFLAC | $15 | — | $15 | 0.09% |
| ANGELINA CONCIALDI3 Filed as: ANGELINA L CONCIALDI | 4 RUMSEY ROAD BUFFALO, NY 14209 | AFLAC | $15 | — | $15 | 0.09% |
| AMY S. HERMAN3 Filed as: AMY S HERMAN | 11646 FLETCHER CHAPEL ROAD MEDINA, NY 14103 | AFLAC | $13 | — | $13 | 0.08% |
| TED COLUCCI3 | 299 WISCONSIN STREET ROCHESTER, NY 14609 | AFLAC | $8 | — | $8 | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | AFLAC | $8 | — | $8 | 0.05% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $7 | — | $7 | 0.04% |
| STEVEN J O'DELL3 | 4970 FLATSTONE ROAD ALLEGANY, NY 14706 | AFLAC | $5 | — | $5 | 0.03% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $4 | — | $4 | 0.02% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $4 | — | $4 | 0.02% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.01% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY 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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 145 | $1.6M |
| Dental | GUARDIAN | 114 | $72K |
| Vision | GUARDIAN | 114 | $72K |
| Other | AFLAC | 30 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.