| 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 | $58K | $0 | $58K | 3.99% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | P.O. BOX 542 NEW HARTFORD, NY 13413 | GUARDIAN | $3K | $4K | $7K | 9.22% |
| ALISHA K ROBINSON3 | P.O. BOX 272 OLD FORGE, NY 13420 | AFLAC | $439 | $23 | $462 | 3.39% |
| MICHAEL P FARLEY3 Filed as: MICHAEL P. FARLEY | 5586 MAIN STREET WILLIAMSVILLE, NY 14221 | AFLAC | $154 | $15 | $169 | 1.24% |
| KIMBERLY A BLOISE3 Filed as: KIMBERLY A. BLOISE | 5056 W SHOREWOOD DR DUNKIRK, NY 14048 | AFLAC | $151 | $0 | $151 | 1.11% |
| ISADORE BARLOW3 Filed as: ISADORE J. BARLOW | 1004 HAVENBROOK DR. MORRISVILLE, NC 27560 | AFLAC | $148 | $0 | $148 | 1.09% |
| JEANNE K BLOISE3 Filed as: JEANNE K. BLOISE | 432 ALDER STREET OLEAN, NY 14760 | AFLAC | $143 | $0 | $143 | 1.05% |
| GREGORY A KRAUZA3 Filed as: GREGORY A. KRAUZA | 35 E. MAIN STREET STE 2 FREDONIA, NY 14063 | AFLAC | $135 | $7 | $142 | 1.04% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $123 | $4 | $127 | 0.93% |
| DAWN PELLERIN3 | 34 TAMARACK DR NEW HARTFORD, NY 13413 | AFLAC | $105 | $0 | $105 | 0.77% |
| SHANE F LAMAY3 Filed as: SHANE FRANCIS LAMAY | 6311 ATRIUM DR. STE 204 LAKEWOOD RANCH, FL 34202 | AFLAC | $90 | $0 | $90 | 0.66% |
| MARY FRANCES CARLTON3 | 3824 HOGAN RD VERNON CENTER, NY 13477 | AFLAC | $51 | $0 | $51 | 0.37% |
| STEVEN E DALABA3 Filed as: STEVEN E. DALABA | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $51 | $0 | $51 | 0.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DR FARMINGTON, CT 06032 | AFLAC | $46 | $0 | $46 | 0.34% |
| GIBIDES INC3 | P.O. BOX 331 ROYERSFORD, PA 19468 | AFLAC | $39 | $0 | $39 | 0.29% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | AFLAC | $34 | $0 | $34 | 0.25% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY D. MAZUROWSKI | 156 DEER RDG GETZVILLE, NY 14068 | AFLAC | $32 | $0 | $32 | 0.23% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $18 | $0 | $18 | 0.13% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS K. GATHRIGHT JR | 276 FAIRPORT VILLAGE LANDING FAIRPORT, NY 14450 | AFLAC | $15 | $0 | $15 | 0.11% |
| ANGELINA CONCIALDI3 Filed as: ANGELINA L. CONCIALDI | 4 RUMSEY ROAD BEFFALO, NY 14209 | AFLAC | $15 | $0 | $15 | 0.11% |
| PATRICK J ENGASSER3 Filed as: PATRICK J. ENGASSER | 190 CONANT DR TONAWANDA, NY 14223 | AFLAC | $15 | $0 | $15 | 0.11% |
| TODD HENNESSY3 | 78 GARDEN CT BUFFALO, NY 14226 | AFLAC | $15 | $0 | $15 | 0.11% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES, INC. | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $14 | $0 | $14 | 0.10% |
| TED COLUCCI3 | 299 WISCONSIN ST ROCHESTER, NY 14609 | AFLAC | $7 | $0 | $7 | 0.05% |
| AMY S. HERMAN3 | 11646 FLETCHER CHAPEL RD MEDINA, NY 14103 | AFLAC | $7 | $0 | $7 | 0.05% |
| KELLY A IRVINE3 Filed as: KELLY A. IRVINE | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $5 | $0 | $5 | 0.04% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $4 | $0 | $4 | 0.03% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $3 | $0 | $3 | 0.02% |
| SHANE STICKLE3 | 675 BAY ROAD WEBSTER, NY 14580 | AFLAC | $3 | $0 | $3 | 0.02% |
| LAURA BOHANNON3 | 23 S MARVINE AVE. AUBURN, NY 13021 | AFLAC | $2 | $0 | $2 | 0.01% |
| RUSSELL T BARRETT3 Filed as: RUSSELL T. BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | $0 | $2 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $2 | $0 | $2 | 0.01% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $1 | $0 | $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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 139 | $1.4M |
| Dental | GUARDIAN | 119 | $78K |
| Vision | GUARDIAN | 119 | $78K |
| Other | AFLAC | 28 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.