| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | EXCELLUS BLUE CROSS BLUE SHIELD | $47K | $0 | $47K | 4.13% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $3K | $5K | 8.83% |
| MICHAEL P FARLEY3 Filed as: MICHAEL FARLEY | 5586 MAIN STREET STE 209 WILLIAMSVILLE, NY 14221 | AFLAC | $684 | $29 | $713 | 6.93% |
| ALISHA K ROBINSON3 Filed as: ALISHA ROBINSON | P.O. BOX 272 OLD FORGE, NY 13420 | AFLAC | $210 | — | $210 | 2.04% |
| ISADORE BARLOW3 | 5911 MCCRIMMON PKWY APT 1245 MORRISVILLE, NC 27560 | AFLAC | $128 | — | $128 | 1.24% |
| KIMBERLY A BLOISE3 Filed as: KIMBERLY BLOISE | 5056 W. SHOREWOOD DRIVE DUNKIRK, NY 14048 | AFLAC | $123 | — | $123 | 1.20% |
| JEANNE K BLOISE3 | 432 ALDER STREET OLEAN, NY 14760 | AFLAC | $113 | — | $113 | 1.10% |
| SHANE STICKLE3 | 6787 VAIL DRIVE HAMBURG, NY 14075 | AFLAC | $86 | $3 | $89 | 0.87% |
| SHANE F LAMAY3 Filed as: SHANE LAMAY | 6311 ATRIUM DRIVE STE 204 LAKEWOOD RANCH, FL 34202 | AFLAC | $89 | — | $89 | 0.87% |
| GREGORY A KRAUZA3 Filed as: GREGORY KRAUZA | 35 E. MAIN STREET STE 2 FREDONIA, NY 14063 | AFLAC | $88 | — | $88 | 0.86% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $63 | — | $63 | 0.61% |
| DAWN PELLERIN3 | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $48 | — | $48 | 0.47% |
| STEVEN DALABA3 | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $40 | — | $40 | 0.39% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY MAZUROWSKI | 156 DEER RIDGE GETZVILLE, NY 14068 | AFLAC | $32 | — | $32 | 0.31% |
| DAVID GIBIDES3 | 2305 LIBERTY COURT NORRISTOWN, PA 19403 | AFLAC | $32 | — | $32 | 0.31% |
| MARY FRANCES CARLTON3 | 3824 HOGNA ROAD VERNON CENTER, NY 13477 | AFLAC | $26 | — | $26 | 0.25% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | AFLAC | $20 | — | $20 | 0.19% |
| ANGELINA CONCIALDI3 | 4 RUMSEY ROAD BUFFALO, NY 14209 | AFLAC | $15 | — | $15 | 0.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1 NORTH WHITE HORSE PIKE 2ND FLOOR FARMINGTON, CT 06032 | AFLAC | $15 | — | $15 | 0.15% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $14 | — | $14 | 0.14% |
| AMY S. HERMAN3 Filed as: AMY HERMAN | 11646 FLETCHER CHAPEL ROAD MEDINA, NY 14103 | AFLAC | $11 | — | $11 | 0.11% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT JR | 276 FAIRPORT VILLAGE LANDING FAIRPORT, NY 14450 | AFLAC | $11 | — | $11 | 0.11% |
| TODD HENNESSY3 | 78 GARDEN COURT BUFFALO, NY 14226 | AFLAC | $10 | — | $10 | 0.10% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES & ASSOCIATES INC | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $9 | — | $9 | 0.09% |
| TED COLUCCI3 | 299 WISCONSIN STREET ROCHESTER, NY 14609 | AFLAC | $5 | — | $5 | 0.05% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 15801 WHITE ORCHARD LANE FORT MEYERS, FL 33908 | AFLAC | $3 | — | $3 | 0.03% |
| DAVID B PERLEE3 Filed as: DAVID PERLEE | 1989 NEPTUNE DRIVE ENGLEWOOD, FL 34223 | AFLAC | $2 | — | $2 | 0.02% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DRIVE APT 208 NAPLES, FL 34110 | AFLAC | $2 | — | $2 | 0.02% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 37 JESSICA TERRACE GANSEVOORT, NY 12831 | 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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 77 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 75 | $54K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 75 | $54K |
| Other | AFLAC | 18 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 77 | — |
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.