| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH WOODS CAPITAL BENEFITS LLC3 Filed as: NORTH WOODS CAPITAL BENEFITS, LLC | 1231 DELAWARE AVE BUFFALO, NY 14209 | INDEPENDENT HEALTH BENEFITS CORPORATION | $20K | $0 | $20K | 0.63% |
| PAUL THOMAS GIANGRECO3 | 375 HARRIS HILL RD UNIT 232 WILLIAMSVILLE, NY 14221 | AFLAC | $16K | $2K | $18K | 11.95% |
| NAC INSURANCE AGENCY LLC3 | 2277 NIAGARA FALLS BLVD AMHERST, NY 14228 | AFLAC | $15K | $0 | $15K | 10.16% |
| JILL A SPIRA3 | 354 3RD ST YOUNGSTOWN, NY 14174 | AFLAC | $8K | $491 | $9K | 5.86% |
| MICHAEL P FARLEY3 | 5586 MAIN ST STE 209 WILLIAMSVILLE, NY 14221 | AFLAC | $5K | $491 | $6K | 3.74% |
| MICHAEL HOGAN3 Filed as: MICHAEL J HOGAN | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $483 | $0 | $483 | 0.32% |
| MARY V. HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $172 | $0 | $172 | 0.11% |
| GREGORY D MAZUROWSKI3 | 156 DEER RDG GETZVILLE, NY 14068 | AFLAC | $133 | $0 | $133 | 0.09% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $72 | $0 | $72 | 0.05% |
| TODD HENNESSY3 Filed as: TODD M T HENNESSY | 78 GARDEN CT BUFFALO, NY 14226 | AFLAC | $59 | $0 | $59 | 0.04% |
| SHANE STICKLE3 | 86 DELAMERE RD BUFFALO, NY 14221 | AFLAC | $35 | $0 | $35 | 0.02% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $28 | $0 | $28 | 0.02% |
| DONALD VERGILS3 | 4860 GLENWOOD DR WILLIAMSVILLE, NY 14221 | AFLAC | $22 | $0 | $22 | 0.01% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $22 | $0 | $22 | 0.01% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $13 | $0 | $13 | 0.01% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $9 | $0 | $9 | 0.01% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $8 | $0 | $8 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $6 | $0 | $6 | 0.00% |
| IAN MCNABB3 | 312 FERRIS HLS CANANDAIGUA, NY 14424 | AFLAC | $6 | $0 | $6 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $4 | $0 | $4 | 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 | $2 | $0 | $2 | 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 | $746 | $0 | $746 | 2.13% |
| FRANK J GIUMPA II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $328 | $0 | $328 | 0.93% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $160 | $0 | $160 | 0.46% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $151 | $0 | $151 | 0.43% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $25 | $0 | $25 | 0.07% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $946 | $0 | $946 | 3.93% |
| FRANK J GIUMPA II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $425 | $0 | $425 | 1.77% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $237 | $0 | $237 | 0.99% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $103 | $0 | $103 | 0.43% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $39 | $0 | $39 | 0.16% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $385 | $0 | $385 | 1.91% |
| FRANK J GIUMPA II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $341 | $0 | $341 | 1.69% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $154 | $0 | $154 | 0.76% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $27 | $0 | $27 | 0.13% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $10 | $0 | $10 | 0.05% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $258 | $0 | $258 | 1.42% |
| GIUMPA FRANK J II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $254 | $0 | $254 | 1.40% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $209 | $0 | $209 | 1.15% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $28 | $0 | $28 | 0.15% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $12 | $0 | $12 | 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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 133 | $168K |
| Dental | AFLAC | 133 | $150K |
| Life insurance | ALLSTATE | 37 | $20K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 133 | $174K |
| Prescription drug | INDEPENDENT HEALTH BENEFITS CORPORATION | 379 | $3.2M |
| Other(5 contracts, 2 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 379 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.