| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | AETNA LIFE INSURANCE CO. | $44K | — | $44K | 2.91% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.75% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $4K | — | $4K | 6.63% |
| THOMAS H HIGGINS3 Filed as: THOMAS H. HIGGINS | 6819 PITTSFORD PALMYRA ROAD FAIRPORT, NY 14450 | AFLAC | $3K | — | $3K | 5.40% |
| ALISHA K ROBINSON3 Filed as: ALISHA K. ROBINSON | PO BOX 272 OLD FORGE, NY 13420 | AFLAC | $2K | $376 | $3K | 5.28% |
| BRENDAN MCCARTHY AND CREW INC3 | 1411 CHILI AVE STE 3 ROCHESTER, NY 14624 | AFLAC | $570 | — | $570 | 1.18% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $471 | $75 | $546 | 1.13% |
| DEBRA PARKER3 Filed as: DEBRA M. PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $537 | — | $537 | 1.12% |
| TERESA STRONG3 | PO BOX 52 MACEDON, NY 14502 | AFLAC | $441 | — | $441 | 0.92% |
| JOSEPH P CALARCO3 | 13 ARTERIAL EAST PO BOX 130 AUBURN, NY 13021 | AFLAC | $163 | $75 | $238 | 0.49% |
| JOSEPH P CALARCO3 | 63 GENESEE ST STE 2 PO BOX 130 AUBURN, NY 13021 | AFLAC | $178 | — | $178 | 0.37% |
| DAVID A COLLISON3 | 46 JOHNSTON LANE GEORGETOWN, SC 29440 | AFLAC | $131 | — | $131 | 0.27% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $114 | — | $114 | 0.24% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $81 | — | $81 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 117 W LIBERTY ST PO BOX 231 ROME, NY 13442 | AFLAC | $68 | — | $68 | 0.14% |
| KELLY A IRVINE3 | 333 GLEN STREET SUITE 201 GLENS FALLS, NY 12801 | AFLAC | $6 | — | $6 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $3 | — | $3 | 0.01% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $2 | — | $2 | 0.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 7.84% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 12.74% |
| JUDITH A POTWORA3 Filed as: JUDITH POTWORA | 7 BIRCHSTONE CT SIMPSONVILLE, SC 29681 | AFLAC | $228 | — | $228 | 4.14% |
| KERRY COLVIN3 | 501 ROYAL DUTCH LN SIMPSONVILLE, SC 29681 | AFLAC | $170 | — | $170 | 3.09% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 83 GENESEE ST STE 2 PO BOX 130 AUBURN, NY 13021 | AFLAC | $130 | — | $130 | 2.36% |
| HAYLEY A HUNTER3 Filed as: HAYLEY HUNTER | 201 CAMERON CREEK LN SIMPSONVILLE, SC 29681 | AFLAC | $111 | — | $111 | 2.02% |
| DONALD P KREDENSOR3 Filed as: DONALD KREDENSOR | 1112 RIVER WALK DR SIMPSONVILLE, SC 29681 | AFLAC | $70 | — | $70 | 1.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SAMUEL BROWN | 4008 N BLUESTEM ST MAIZE, KS 67101 | AFLAC | $35 | — | $35 | 0.64% |
| JOHN TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $30 | — | $30 | 0.54% |
| JUSTIN M GUIDI3 Filed as: JUSTIN GUIDI | 555 N PLEASANTBURG DR STE 200 GREENVILLE, SC 29607 | AFLAC | $22 | — | $22 | 0.40% |
| STEPHEN I BURGESS3 Filed as: STEPHEN BURGESS | 555 N PLEASANTBURG DR STE 200 GREENVILLE, SC 29607 | AFLAC | $22 | — | $22 | 0.40% |
| JUSTIN C CARSON3 Filed as: JUSTIN CARSON | 7701 E KELLOGG DR STE 680 WICHITA, KS 67207 | AFLAC | $19 | — | $19 | 0.34% |
| VINCE SCALETTA3 | 4552 N OTTAWA AVE NORRIDGE, IL 60706 | AFLAC | $14 | — | $14 | 0.25% |
| DANNY DANIELS3 | 1931 SHARON RD WOODRUFF, SC 29388 | AFLAC | $12 | — | $12 | 0.22% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $10 | — | $10 | 0.18% |
| GWEN AYLWARD3 | 2630 FARM BUREAU RD STE A MANHATTAN, KS 66502 | AFLAC | $7 | — | $7 | 0.13% |
| LUIS H NEGRON3 Filed as: LUIS NEGRON | 401 LOWELL DRIVE SOUTH ELGIN, IL 60177 | AFLAC | $7 | — | $7 | 0.13% |
| BRAD SCHUMACHER3 | 718 MAIN ST STE 205 HAYS, KS 67601 | AFLAC | $5 | — | $5 | 0.09% |
| ARICCA WALLACE3 | 2957 NEVADA ST MANHATTAN, KS 66502 | AFLAC | $4 | — | $4 | 0.07% |
| JERMEY SKEETERS3 | 9830 W JJ RANCH RD PEORIA, AZ 85383 | AFLAC | $3 | — | $3 | 0.05% |
| NATHAN HARRISON3 | 16024 MANCHESTER RD 2ND FLOOR STE 200 ELLISVILLE, MO 63011 | AFLAC | $2 | — | $2 | 0.04% |
| DAYTON LLC3 | 324 OLD WOOD DR COLUMBIA, SC 29212 | AFLAC | $1 | — | $1 | 0.02% |
| KEVIN R MCFADDEN3 Filed as: KEVIN MCFADDEN | 1820 W CANNING DR MOUNT PLEASANT, SC 29466 | AFLAC | $1 | — | $1 | 0.02% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 EAST ROOSEVELT ROAD STE 203 WEST CHICAGO, IL 60185 | AFLAC | $1 | — | $1 | 0.02% |
| GARY W JOHNSON3 Filed as: GARY JOHNSON | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.02% |
| EMPLOYEE BENEFITS LLC3 Filed as: EMPLOYEE SERVICES, INC. | 55 CHAMBERLAIN STREET WELLSVILLE, NY 14895 | ESI GROUP | — | $6K | $6K | — |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 322 | $1.5M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $164K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $100K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 228 | $64K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 222 | $26K |
| Other(5 contracts, 4 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 239 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.