| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH WOODS CAPITAL BENEFITS LLC3 Filed as: NORTH WOODS CAPITAL BENEFITS, LLC | 1231 DELAWARE AVENUE SUITE 201 BUFFALO, NY 14209 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $48K | $0 | $48K | 1.48% |
| PAUL THOMAS GIANGRECO3 | 375 HARRIS HILL RD UNIT 232 WILLIAMSVILLE, NY 14221 | AFLAC | $19K | $34 | $19K | 15.22% |
| NAC INSURANCE AGENCY LLC3 | 2277 NIAGARA FALLS BLVD AMHERST, NY 14228 | AFLAC | $18K | $0 | $18K | 14.53% |
| JILL A SPIRA3 | 354 3RD ST YOUNGSTOWN, NY 14174 | AFLAC | $8K | $0 | $8K | 6.59% |
| MICHAEL P FARLEY3 | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $5K | $7 | $5K | 4.43% |
| MICHAEL HOGAN3 Filed as: MICHAEL J HOGAN | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $548 | $0 | $548 | 0.45% |
| MARY V. HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $203 | $0 | $203 | 0.17% |
| GREGORY D MAZUROWSKI3 | 156 DEER RDG GETZVILLE, NY 14068 | AFLAC | $151 | $0 | $151 | 0.12% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $87 | $0 | $87 | 0.07% |
| TODD HENNESSY3 Filed as: TODD M T HENNESSY | 78 GARDEN CT BUFFALO, NY 14226 | AFLAC | $67 | $0 | $67 | 0.05% |
| DONALD VERGILS3 | 4860 GLENWOOD DR WILLIAMSVILLE, NY 14221 | AFLAC | $31 | $7 | $38 | 0.03% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $31 | $0 | $31 | 0.03% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $25 | $0 | $25 | 0.02% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $14 | $0 | $14 | 0.01% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $10 | $0 | $10 | 0.01% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $10 | $0 | $10 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $7 | $0 | $7 | 0.01% |
| IAN MCNABB3 | 40 WILLOW POND WAY APT 101 PENFIELD, NY 14526 | AFLAC | $6 | $0 | $6 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $6 | $0 | $6 | 0.00% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $3 | $0 | $3 | 0.00% |
| LOUIS S CROCE3 | 3812 S PARK AVE BLASDELL, NY 14219 | AFLAC | $3 | $0 | $3 | 0.00% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK CT CLIFTON PARK, NY 12065 | AFLAC | $3 | $0 | $3 | 0.00% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | $0 | $2 | 0.00% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $1 | $0 | $1 | 0.00% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $2K | $0 | $2K | 3.29% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $324 | $0 | $324 | 0.62% |
| FRANK J GIUMPA II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $212 | $0 | $212 | 0.40% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $102 | $0 | $102 | 0.19% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $14 | $0 | $14 | 0.03% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL A MOLEY | 3840 JARRETT DR WHEATFIELD, NY 14120 | ALLSTATE | $4 | $0 | $4 | 0.01% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $2K | $0 | $2K | 6.78% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $323 | $0 | $323 | 0.90% |
| FRANK J GIUMPA II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $302 | $0 | $302 | 0.85% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $183 | $0 | $183 | 0.51% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $58 | $0 | $58 | 0.16% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL A MOLEY | 3840 JARRETT DR WHEATFIELD, NY 14120 | ALLSTATE | $14 | $0 | $14 | 0.04% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $857 | $0 | $857 | 3.83% |
| FRANK J GIUMPA II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $174 | $0 | $174 | 0.78% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $159 | $0 | $159 | 0.71% |
| CHARLOTTE R SANTA CRUZ Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $110 | $0 | $110 | 0.49% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $10 | $0 | $10 | 0.04% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL A MOLEY | 3840 JARRETT DR WHEATFIELD, NY 14120 | ALLSTATE | $3 | $0 | $3 | 0.01% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $332 | $0 | $332 | 1.48% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $168 | $0 | $168 | 0.75% |
| FRANK J GIUMPA II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $160 | $0 | $160 | 0.72% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $49 | $0 | $49 | 0.22% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $5 | $0 | $5 | 0.02% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL A MOLEY | 3840 JARRETT DR WHEATFIELD, NY 14120 | ALLSTATE | $2 | $0 | $2 | 0.01% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $0 | $0 | $0 | 0.00% |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AFLAC | 151 | $145K |
| Dental | AFLAC | 151 | $123K |
| Life insurance | ALLSTATE | 39 | $22K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 151 | $158K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 777 | $3.2M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 777 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 777 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.