| 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 | $50K | $0 | $50K | 1.40% |
| PAUL THOMAS GIANGRECO3 | 375 HARRIS HILL RD UNIT 232 WILLIAMSVILLE, NY 14221 | AFLAC | $11K | $398 | $11K | 6.15% |
| NAC INSURANCE AGENCY LLC3 | 2277 NIAGARA FALLS BLVD AMHERST, NY 14228 | AFLAC | $11K | $0 | $11K | 5.66% |
| MICHAEL P FARLEY3 | 5586 MAIN ST STE 209 WILLIAMSVILLE, NY 14221 | AFLAC | $5K | $84 | $6K | 2.99% |
| JILL A SPIRA3 | 354 3RD ST YOUNGSTOWN, NY 14174 | AFLAC | $4K | $0 | $4K | 1.92% |
| SHANE STICKLE3 | 86 DELAMERE RD BUFFALO, NY 14221 | AFLAC | $2K | $84 | $2K | 1.29% |
| MICHAEL HOGAN3 Filed as: MICHAEL J HOGAN | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $548 | $0 | $548 | 0.30% |
| MARY V. HOGAN3 | 30 E HORIZON CIR ORO VALLEY, AZ 85737 | AFLAC | $195 | $0 | $195 | 0.11% |
| GREGORY D MAZUROWSKI3 | 156 DEER RDG GETZVILLE, NY 14068 | AFLAC | $143 | $0 | $143 | 0.08% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $80 | $0 | $80 | 0.04% |
| TODD HENNESSY3 Filed as: TODD M T HENNESSY | 78 GARDEN CT BUFFALO, NY 14226 | AFLAC | $69 | $0 | $69 | 0.04% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $28 | $0 | $28 | 0.02% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $25 | $0 | $25 | 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 | $10 | $0 | $10 | 0.01% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $10 | $0 | $10 | 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% |
| ANGELINA CONCIALDI3 | 4 RUMSEY RD BUFFALO, NY 14209 | AFLAC | $6 | $0 | $6 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $5 | $0 | $5 | 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 | 37 JESSICA TRCE GANSEVOORT, NY 12831 | 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 | $100 | $0 | $100 | 0.49% |
| JOSE MANUEL GUERRERO3 | 5209 CLAY ST HOUSTON, TX 77023 | ALLSTATE | $81 | $0 | $81 | 0.40% |
| FRANK J GIUMPA II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $54 | $0 | $54 | 0.26% |
| ANGEL T LATIMER3 | 2433 VALLEY AVE STE 103 WINCHESTER, VA 22601 | ALLSTATE | $40 | $0 | $40 | 0.20% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $26 | $0 | $26 | 0.13% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $4 | $0 | $4 | 0.02% |
| JOSE MANUEL GUERRERO3 | 5209 CLAY ST HOUSTON, TX 77023 | ALLSTATE | $70 | $0 | $70 | 0.51% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $49 | $0 | $49 | 0.35% |
| FRANK J GIUMPA II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $43 | $0 | $43 | 0.31% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $21 | $0 | $21 | 0.15% |
| ANGEL T LATIMER3 | 2433 VALLEY AVE STE 103 WINCHESTER, VA 22601 | ALLSTATE | $14 | $0 | $14 | 0.10% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $3 | $0 | $3 | 0.02% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $116 | $0 | $116 | 0.89% |
| JOSE MANUEL GUERRERO3 | 5209 CLAY ST HOUSTON, TX 77023 | ALLSTATE | $54 | $0 | $54 | 0.42% |
| FRANK J GIUMPA II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $53 | $0 | $53 | 0.41% |
| ANGEL T LATIMER3 | 2433 VALLEY AVE STE 103 WINCHESTER, VA 22601 | ALLSTATE | $39 | $0 | $39 | 0.30% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $26 | $0 | $26 | 0.20% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $16 | $0 | $16 | 0.12% |
| JOSE MANUEL GUERRERO3 | 5209 CLAY ST HOUSTON, TX 77023 | ALLSTATE | $133 | $0 | $133 | 1.20% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | ALLSTATE | $44 | $0 | $44 | 0.40% |
| GIUMPA FRANK J II3 | 5500 MAIN STREET, SUITE 105 WILLIAMSVILLE, NY 14221 | ALLSTATE | $42 | $0 | $42 | 0.38% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | ALLSTATE | $28 | $0 | $28 | 0.25% |
| ANGEL T LATIMER3 | 2433 VALLEY AVE STE 103 WINCHESTER, VA 22601 | ALLSTATE | $24 | $0 | $24 | 0.22% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME ROAD SUITE 1 AMHERST, NY 14228 | ALLSTATE | $2 | $0 | $2 | 0.02% |
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 | 380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | 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 | 145 | $197K |
| Dental | AFLAC | 145 | $186K |
| Life insurance | ALLSTATE | 26 | $14K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 145 | $199K |
| Prescription drug | HIGHMARK BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 681 | $3.6M |
| Other(5 contracts, 2 carriers) | HIGHMARK BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 681 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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.