| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $7K | — | $7K | 9.33% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $4K | $0 | $4K | 5.75% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $484 | $0 | $484 | 0.63% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $61 | $0 | $61 | 0.08% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $20 | $0 | $20 | 0.03% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $4K | $0 | $4K | 8.77% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $2K | — | $2K | 5.29% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $776 | $0 | $776 | 1.72% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $231 | $0 | $231 | 0.51% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $50 | $0 | $50 | 0.11% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $2K | — | $2K | 4.42% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $1K | $0 | $1K | 3.38% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $646 | $0 | $646 | 1.68% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $18 | $0 | $18 | 0.05% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $6 | $0 | $6 | 0.02% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $3K | $0 | $3K | 9.59% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $2K | $0 | $2K | 6.87% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $250 | $0 | $250 | 0.77% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $34 | $0 | $34 | 0.11% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $11 | $0 | $11 | 0.03% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $580 | $0 | $580 | 3.09% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL GIANGRECO | 184 SWEENEY ST APT 424 NORTH TONAWANDA, NY 14120 | AFLAC | $396 | $20 | $416 | 2.22% |
| MARY V. HOGAN3 Filed as: MARY HOGAN | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $250 | $0 | $250 | 1.33% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY MAZUROWSKI | 97 CHAUMONT DR WILLIAMSVILLE, NY 14221 | AFLAC | $125 | $0 | $125 | 0.67% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 63 GENESEE ST STE 2 PO BOX 130 AUBURN, NY 13021 | AFLAC | $105 | $0 | $105 | 0.56% |
| TODD HENNESSY3 Filed as: TODD M T HENNESSY | 78 GARDEN CT BUFFALO, NY 14226 | AFLAC | $68 | $0 | $68 | 0.36% |
| MICHAEL P FARLEY3 Filed as: MICHAEL FARLEY | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $37 | $8 | $45 | 0.24% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $28 | $0 | $28 | 0.15% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES & ASSOCIATES INC | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $22 | $0 | $22 | 0.12% |
| STEVEN DALABA3 | 405 CRAVER POINTE DR CLEMMONS, NC 27012 | AFLAC | $13 | $0 | $13 | 0.07% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT JR | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $10 | $0 | $10 | 0.05% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 4480 GOLDEN LAKE DR SARASOTA, FL 34233 | AFLAC | $10 | $0 | $10 | 0.05% |
| LOUIS CROCE3 | 79 EDNA PL LACKAWANNA, NY 14218 | AFLAC | $9 | $0 | $9 | 0.05% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $8 | $0 | $8 | 0.04% |
| IAN MCNABB3 | 40 MILFORD RD ROCHESTER, NY 14625 | AFLAC | $6 | $0 | $6 | 0.03% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $6 | $0 | $6 | 0.03% |
| KENNETH J HANNAN3 Filed as: KENNETH HANNAN | 5 FRIAR TUCK COURT CLIFTON PARK, NY 12065 | AFLAC | $3 | $0 | $3 | 0.02% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | $0 | $2 | 0.01% |
| MICHAEL G RYAN3 Filed as: MICHAEL RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $1 | $0 | $1 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $0 | $0 | $0 | 0.00% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $176 | $0 | $176 | 2.36% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $115 | $0 | $115 | 1.54% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | INDEPENDENT HEALTH | 698 | $3.5M |
| Dental | AFLAC | 16 | $19K |
| Life insurance | ALLSTATE | 43 | $32K |
| Short-term disability(2 contracts, 2 carriers) | ALLSTATE | 83 | $64K |
| Other | ALLSTATE | 182 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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.