| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $8K | — | $8K | 9.31% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $2K | — | $2K | 2.13% |
| FRANK J GIUMPA II | 5500 MAIN SREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $1K | — | $1K | 1.42% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $459 | — | $459 | 0.51% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $54 | — | $54 | 0.06% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $18 | — | $18 | 0.02% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $6K | — | $6K | 11.58% |
| FRANK J GIUMPA II3 | 5500 MAIN SREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $1K | — | $1K | 2.52% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $1K | — | $1K | 2.28% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $726 | — | $726 | 1.33% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $213 | — | $213 | 0.39% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $46 | — | $46 | 0.08% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $2K | — | $2K | 5.79% |
| FRANK J GIUMPA II3 | 5500 MAIN SREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $729 | — | $729 | 1.74% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $616 | — | $616 | 1.47% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $341 | — | $341 | 0.81% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $16 | — | $16 | 0.04% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $5 | — | $5 | 0.01% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $3K | — | $3K | 8.62% |
| FRANK J GIUMPA II3 | 5500 MAIN SREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $793 | — | $793 | 2.29% |
| ORANGE FINANCIAL SERVICES3 | 1135 MILLERSPORT HWY AMHERST, NY 14226 | ALLSTATE | $754 | — | $754 | 2.18% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $246 | — | $246 | 0.71% |
| CAPITAL MANAGEMENT GRP OF NIAGARA3 | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $20 | — | $20 | 0.06% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 6928 WILLIAMS RD NIAGARA FALLS, NY 14304 | ALLSTATE | $7 | — | $7 | 0.02% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $574 | — | $574 | 3.00% |
| PAUL THOMAS GIANGRECO3 | 184 SWEENEY STREET, APT. 424 NORTH TONAWANDA, NY 14120 | AFLAC | $561 | — | $561 | 2.93% |
| MARY V. HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $250 | — | $250 | 1.31% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY D MAZUOWSKI | 156 DEER RIDGE GETZVILLE, NY 14068 | AFLAC | $125 | — | $125 | 0.65% |
| JOSEPH P CALARCO3 | 63 GENESSEE STREET STE 2 AUBURN, NY 13021 | AFLAC | $104 | — | $104 | 0.54% |
| TODD HENNESSY3 Filed as: TODD M T HENNESSY | 78 GARDEN CT BUFFALO, NY 14226 | AFLAC | $68 | — | $68 | 0.36% |
| MICHAEL P FARLEY3 Filed as: MICHAEL P. FARLEY | 1412 SWEET HOME ROAD STE 2 AMHERST, NY 14228 | AFLAC | $60 | — | $60 | 0.31% |
| JAFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $28 | — | $28 | 0.15% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $22 | — | $22 | 0.12% |
| DONALD VERGILS3 | 4860 GLENWOOD DRIVE WILLIAMSVILLE, NY 14221 | AFLAC | $22 | — | $22 | 0.12% |
| LOUIS S CROCE3 | 3812 S PARK AVE BLASDELL, NY 14219 | AFLAC | $20 | — | $20 | 0.10% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $13 | — | $13 | 0.07% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DRIVE ESTERO, FL 33928 | AFLAC | $10 | — | $10 | 0.05% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $10 | — | $10 | 0.05% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $8 | — | $8 | 0.04% |
| IAN MCNABB3 | 40 WILLOW POND WAY PENFIELD, NY 14526 | AFLAC | $6 | — | $6 | 0.03% |
| JOHN B INFERRERA3 | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $6 | — | $6 | 0.03% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK CT CLIFTON PARK, NY 12065 | AFLAC | $3 | — | $3 | 0.02% |
| RUSSELL T BARRETT3 | 10 AZALEA DRIVE SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $1 | — | $1 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $0 | — | $0 | 0.00% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $169 | — | $169 | 2.37% |
| FRANK J GIUMPA II3 | 5500 MAIN SREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $110 | — | $110 | 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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | INDEPENDENT HEALTH | 687 | $3.8M |
| Dental | AFLAC | 16 | $19K |
| Life insurance | ALLSTATE | 66 | $35K |
| Short-term disability(2 contracts, 2 carriers) | ALLSTATE | 132 | $74K |
| Other | ALLSTATE | 297 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 687 | — |
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.