| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $10K | $0 | $10K | 9.88% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $2K | $0 | $2K | 2.32% |
| FRANK J GIUMPA II3 | 5500 MAIN SREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $939 | $0 | $939 | 0.97% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $417 | $0 | $417 | 0.43% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $43 | $0 | $43 | 0.04% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL A MOLEY | 3840 JARRETT DR WHEATFIELD, NY 14120 | ALLSTATE | $14 | $0 | $14 | 0.01% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $7K | $0 | $7K | 11.88% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $1K | $0 | $1K | 2.21% |
| FRANK J GIUMPA II3 | 5500 MAIN SREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $1K | $0 | $1K | 1.84% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $658 | $0 | $658 | 1.06% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $185 | $0 | $185 | 0.30% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 3840 JARRETT DR WHEATFIELD, NY 14120 | ALLSTATE | $40 | $0 | $40 | 0.06% |
| PAUL THOMAS GIANGRECO3 | 375 HARRIS HILL RD UNIT 232 WILLIAMSVILLE, NY 14221 | AFLAC | $4K | $34 | $4K | 8.86% |
| NAC INSURANCE AGENCY LLC3 | 2277 NIAGARA FALLS BLVD AMHERST, NY 14228 | AFLAC | $3K | $0 | $3K | 7.52% |
| JILL A SPIRA3 | 354 3RD ST YOUNGSTOWN, NY 14174 | AFLAC | $1K | $0 | $1K | 3.46% |
| MICHAEL P FARLEY3 Filed as: MICHAEL P. FARLEY | 1412 SWEET HOME ROAD STE 2 AMHERST, NY 14228 | AFLAC | $1K | $10 | $1K | 2.55% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $681 | $0 | $681 | 1.58% |
| PAUL THOMAS GIANGRECO3 | 184 SWEENEY ST APT 424 NORTH TONAWANDA, NY 14120 | AFLAC | $391 | $16 | $407 | 0.94% |
| MARY V. HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $282 | $0 | $282 | 0.65% |
| GREGORY D MAZUROWSKI3 | 156 DEER RIDGE GETZVILLE, NY 14068 | AFLAC | $154 | $0 | $154 | 0.36% |
| JOSEPH P CALARCO3 | 63 GENESSEE STREET STE 2 PO BOX 130 AUBURN, NY 13021 | AFLAC | $124 | $0 | $124 | 0.29% |
| TODD HENNESSY3 Filed as: TODD M T HENNESSY | 78 GARDEN CT BUFFALO, NY 14226 | AFLAC | $74 | $0 | $74 | 0.17% |
| DONALD VERGILS3 | 4860 GLENWOOD DRIVE WILLIAMSVILLE, NY 14221 | AFLAC | $48 | $10 | $58 | 0.13% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $35 | $0 | $35 | 0.08% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $29 | $0 | $29 | 0.07% |
| LOUIS S CROCE3 | 3812 S PARK AVE BLASDELL, NY 14219 | AFLAC | $22 | $0 | $22 | 0.05% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $15 | $0 | $15 | 0.03% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $11 | $0 | $11 | 0.03% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $9 | $0 | $9 | 0.02% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MEYERS, FL 33908 | AFLAC | $8 | $0 | $8 | 0.02% |
| JOHN B INFERRERA3 | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $8 | $0 | $8 | 0.02% |
| IAN MCNABB3 | 40 WILLOW POND WAY APT 101 PENFIELD, NY 14526 | AFLAC | $7 | $0 | $7 | 0.02% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $6 | $0 | $6 | 0.01% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK CT CLIFTON PARK, NY 12065 | AFLAC | $3 | $0 | $3 | 0.01% |
| RUSSELL T BARRETT3 | 665 SARATOGA RD APT 130 GANSEVOORT, NY 12831 | AFLAC | $3 | $0 | $3 | 0.01% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $1 | $0 | $1 | 0.00% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $1 | $0 | $1 | 0.00% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $0 | $0 | $0 | 0.00% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $2K | $0 | $2K | 7.77% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $706 | $0 | $706 | 2.28% |
| FRANK J GIUMPA II3 | 5500 MAIN SREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $577 | $0 | $577 | 1.86% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $412 | $0 | $412 | 1.33% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $14 | $0 | $14 | 0.05% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 3840 JARRETT DR WHEATFIELD, NY 14120 | ALLSTATE | $5 | $0 | $5 | 0.02% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $166 | $0 | $166 | 2.36% |
| FRANK J GIUMPA II3 | 5500 MAIN SREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $109 | $0 | $109 | 1.55% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ALLSTATE | 135 | $93K |
| Dental | AFLAC | 135 | $43K |
| Life insurance | ALLSTATE | 49 | $31K |
| Short-term disability(2 contracts, 2 carriers) | ALLSTATE | 135 | $105K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 752 | $2.9M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 752 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.