| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HIGHMARK BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $56K | $0 | $56K | 1.39% |
| PAUL THOMAS GIANGRECO3 | 375 HARRIS HILL RD UNIT 232 WILLIAMSVILLE, NY 14221 | AFLAC | $7K | $348 | $7K | 4.64% |
| NAC INSURANCE AGENCY LLC3 | 2277 NIAGARA FALLS BLVD AMHERST, NY 14228 | AFLAC | $7K | $0 | $7K | 4.14% |
| JILL A SPIRA3 | 354 3RD ST YOUNGSTOWN, NY 14174 | AFLAC | $4K | $0 | $4K | 2.47% |
| MICHAEL P FARLEY3 | 5586 MAIN ST STE 209 WILLIAMSVILLE, NY 14221 | AFLAC | $3K | $81 | $3K | 2.18% |
| SHANE STICKLE3 | 86 DELAMERE RD BUFFALO, NY 14221 | AFLAC | $914 | $81 | $995 | 0.63% |
| MICHAEL HOGAN3 Filed as: MICHAEL J HOGAN | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $526 | $0 | $526 | 0.33% |
| MARY V. HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $186 | $0 | $186 | 0.12% |
| GREGORY D MAZUROWSKI3 | 156 DEER RDG GETZVILLE, NY 14068 | AFLAC | $133 | $0 | $133 | 0.08% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $78 | $0 | $78 | 0.05% |
| TODD HENNESSY3 Filed as: TODD M T HENNESSY | 78 GARDEN CT BUFFALO, NY 14226 | AFLAC | $65 | $0 | $65 | 0.04% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $26 | $0 | $26 | 0.02% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $24 | $0 | $24 | 0.02% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $12 | $0 | $12 | 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 | $9 | $0 | $9 | 0.01% |
| DAVID B PERLEE3 Filed as: DAVID PERLEE | 1989 NEPTUNE DR ENGLEWOOD, FL 34223 | AFLAC | $7 | $0 | $7 | 0.00% |
| DONALD VERGILS3 | 4860 GLENWOOD DR WILLIAMSVILLE, NY 14221 | 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 | $5 | $0 | $5 | 0.00% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK CT CLIFTON PARK, NY 12065 | AFLAC | $3 | $0 | $3 | 0.00% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $2 | $0 | $2 | 0.00% |
| LOUIS S CROCE3 | 3812 S PARK AVE BLASDELL, NY 14219 | 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 ANNE CALARCO3 Filed as: LAURA CALARCO | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $443 | $0 | $443 | 2.04% |
| FRANK J GIUMPA II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $240 | $0 | $240 | 1.11% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $114 | $0 | $114 | 0.53% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $73 | $0 | $73 | 0.34% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $19 | — | $19 | 0.09% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $214 | $0 | $214 | 1.36% |
| FRANK J GIUMPA II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $204 | $0 | $204 | 1.30% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $105 | $0 | $105 | 0.67% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $15 | $0 | $15 | 0.10% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $4 | $0 | $4 | 0.03% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $529 | $0 | $529 | 3.70% |
| FRANK J GIUMPA II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $273 | $0 | $273 | 1.91% |
| CHARLOTTE R SANTA CRUZ2 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $166 | $0 | $166 | 1.16% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $80 | $0 | $80 | 0.56% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $19 | $0 | $19 | 0.13% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $221 | $0 | $221 | 1.71% |
| GIUMPA FRANK J II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $199 | $0 | $199 | 1.54% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $126 | $0 | $126 | 0.97% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $10 | $0 | $10 | 0.08% |
| THE GIUMPA AGENCY INC3 | 10060 MAIN ST CLARENCE, NY 14031 | ALLSTATE | $8 | $0 | $8 | 0.06% |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 133 | $171K |
| Dental | AFLAC | 133 | $158K |
| Life insurance | ALLSTATE | 28 | $16K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 133 | $173K |
| Prescription drug | HIGHMARK BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 655 | $4.0M |
| Other(5 contracts, 2 carriers) | HIGHMARK BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 655 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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."
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.