| 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 | $57K | — | $57K | 4.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | P.O. BOX 542 NEW HARTFORD, NY 13413 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.85% |
| KIMBERLY A BLOISE3 Filed as: KIMBERLY BLOISE | 5056 W. SHOREWOOD DRIVE DUNKIRK, NY 14048 | AFLAC | $141 | — | $141 | 1.35% |
| ISADORE BARLOW3 | 5911 MCCRIMMON PKWY APT 1245 MORRISVILLE, NC 27560 | AFLAC | $140 | — | $140 | 1.34% |
| JEANNE K BLOISE3 | 432 ALDER STREET OLEAN, NY 14760 | AFLAC | $135 | — | $135 | 1.29% |
| MICHAEL P FARLEY3 Filed as: MICHAEL FARLEY | 5586 MAIN STREET, STE. 209 WILLIAMSVILLE, NY 14221 | AFLAC | $114 | $5 | $119 | 1.14% |
| ALISHA K ROBINSON3 Filed as: ALISHA ROBINSON | P.O. BOX 272 OLD FORGE, NY 13420 | AFLAC | $103 | $11 | $114 | 1.09% |
| SHANE F LAMAY3 Filed as: SHANE LAMAY | 6311 ATRIUM DRIVE, STE. 204 LAKEWOOD RANCH, FL 34202 | AFLAC | $90 | — | $90 | 0.86% |
| GREG KRAUZA3 | 35 E. MAIN STREET, STE. 2 FREDONIA, NY 14063 | AFLAC | $89 | — | $89 | 0.85% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $54 | $3 | $57 | 0.55% |
| DAWN PELLERIN3 | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $50 | — | $50 | 0.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | AFLAC | $46 | — | $46 | 0.44% |
| STEVEN DALABA3 | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $45 | — | $45 | 0.43% |
| MARY FRANCES CARLTON3 Filed as: MARY CARLTON | 3824 HOGAN ROAD VERNON CENTER, NY 13477 | AFLAC | $36 | — | $36 | 0.35% |
| DAVID GIBIDES3 | 2305 LIBERTY COURT NORRISTOWN, PA 19403 | AFLAC | $34 | — | $34 | 0.33% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY MAZUROWSKI | 156 DEER RIDGE GETZVILLE, NY 14068 | AFLAC | $32 | — | $32 | 0.31% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY, KERNAN & GILROY | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | AFLAC | $21 | — | $21 | 0.20% |
| TODD HENNESSY3 | 78 GARDEN COURT BUFFALO, NY 14226 | AFLAC | $16 | — | $16 | 0.15% |
| ANGELINA CONCIALDI3 | 4 RUMSEY ROAD BUFFALO, NY 14209 | AFLAC | $15 | — | $15 | 0.14% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $15 | — | $15 | 0.14% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $13 | — | $13 | 0.12% |
| SHANE STICKLE3 | 6787 VAIL DRIVE HAMBURG, NY 14075 | AFLAC | $12 | $1 | $13 | 0.12% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $9 | — | $9 | 0.09% |
| AMY S. HERMAN3 Filed as: AMY HERMAN | 11646 FLETCHER CHAPEL ROAD MEDINA, NY 14103 | AFLAC | $7 | — | $7 | 0.07% |
| TED COLUCCI3 | 299 WISCONSIN STREET ROCHESTER, NY 14609 | AFLAC | $6 | — | $6 | 0.06% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 15801 WHITE ORCHID LANE FORT MEYERS, FL 33908 | AFLAC | $3 | — | $3 | 0.03% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.02% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DRIVE APT. 208 NAPLES, FL 34110 | AFLAC | $2 | — | $2 | 0.02% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $2 | — | $2 | 0.02% |
| DAVID B PERLEE3 Filed as: DAVID PERLEE | 1989 NEPTUNE DRIVE ENGLEWOOD, FL 34223 | AFLAC | $2 | — | $2 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | 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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 110 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 98 | $71K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 98 | $71K |
| Other | AFLAC | 21 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.