| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $2K | $0 | $2K | 5.20% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $2K | $0 | $2K | 4.91% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $408 | $0 | $408 | 0.95% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $248 | $0 | $248 | 0.58% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $60 | $0 | $60 | 0.14% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $1K | $0 | $1K | 4.74% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $995 | $0 | $995 | 4.24% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $47 | $0 | $47 | 0.20% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $30 | $0 | $30 | 0.13% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $7 | $0 | $7 | 0.03% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $905 | $0 | $905 | 5.06% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $825 | $0 | $825 | 4.61% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $234 | $0 | $234 | 1.31% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $143 | $0 | $143 | 0.80% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $33 | $0 | $33 | 0.18% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $1K | $0 | $1K | 8.92% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $873 | $0 | $873 | 6.61% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $26 | $0 | $26 | 0.20% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $18 | $0 | $18 | 0.14% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $3 | $0 | $3 | 0.02% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $604 | $0 | $604 | 5.11% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $371 | $0 | $371 | 3.14% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $70 | $0 | $70 | 0.59% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $43 | $0 | $43 | 0.36% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $10 | $0 | $10 | 0.08% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $375 | $0 | $375 | 5.47% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $300 | $0 | $300 | 4.37% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $72 | $0 | $72 | 1.05% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $46 | $0 | $46 | 0.67% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $10 | $0 | $10 | 0.15% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $97 | $0 | $97 | 6.56% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $70 | $0 | $70 | 4.73% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $7 | $0 | $7 | 0.47% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $5 | $0 | $5 | 0.34% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $1 | $0 | $1 | 0.07% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 2 carriers) | INDEPENDENT HEALTH | 649 | $3.4M |
| Life insurance(7 contracts) | ALLSTATE | 69 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.