| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | EXCELLUS BLUE CROSS BLUE SHIELD | $80K | — | $80K | 4.01% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BLVD SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $22K | — | $22K | 1.11% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE. BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $7K | $12K | 9.57% |
| THOMAS H HIGGINS3 | 6819 PITTSFORD PALMYRA RD FAIRPORT, NY 14450 | AFLAC | $5K | — | $5K | 5.89% |
| JEROME K CHENEY3 | 60 CHAPEL ST CANANDAIGUA, NY 14424 | AFLAC | $4K | $74 | $4K | 4.98% |
| ALISHA K ROBINSON3 | PO BOX 272 OLD FORGE, NY 13420 | AFLAC | $3K | $433 | $3K | 3.42% |
| JOSEPH P CALARCO3 | PO BOX 130 63 GENESEE ST STE 2 AUBURN, NY 13021 | AFLAC | $1K | $142 | $2K | 1.85% |
| NICKOLAS CALARCO3 | 30 GRANT ST AUBURN, NY 13021 | AFLAC | $1K | — | $1K | 1.26% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $549 | — | $549 | 0.63% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $508 | — | $508 | 0.58% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $375 | $70 | $445 | 0.51% |
| TERESA STRONG3 | PO BOX 52 MACEDON, NY 14502 | AFLAC | $434 | — | $434 | 0.50% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DR NEW HARTFORD, NY 13413 | AFLAC | $432 | — | $432 | 0.49% |
| NICHOLAS CALARCO3 | 3118 STONEHENGE DR RICHARDSON, TX 75082 | AFLAC | $268 | — | $268 | 0.31% |
| DAVID A COLLISON3 | 46 JOHNSTONE LN GEORGETOWN, SC 29440 | AFLAC | $138 | — | $138 | 0.16% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFIT GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | AFLAC | $116 | — | $116 | 0.13% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $111 | — | $111 | 0.13% |
| JEFF DALABA3 Filed as: JEFF DALBA | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $81 | — | $81 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | AFLAC | $72 | — | $72 | 0.08% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $33 | — | $33 | 0.04% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $31 | — | $31 | 0.04% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $29 | — | $29 | 0.03% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL P FARLEY3 | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $3 | — | $3 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $3 | — | $3 | 0.00% |
| RUSSELL T BARRETT3 | 665 SARATOGA RD APT 130 GANSEVOORT, NY 12831 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $2 | — | $2 | 0.00% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK CT CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $680 | — | $680 | 0.86% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFIT GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 5.90% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 9.03% |
| JP INSURANCE SERVICE LLC3 | 7 BIRCHSTONE CT SIMPSONVILLE, SC 29681 | AFLAC | $1K | $11 | $1K | 15.13% |
| KERRY COLVIN3 | 501 ROYAL DUTCH LN SIMPSONVILLE, SC 29681 | AFLAC | $302 | $2 | $304 | 3.17% |
| JUSTIN M GUIDI3 | 777 LOWNDES HILL RE BLDG 3 SUITE 200 GREENVILLE, SC 29607 | AFLAC | $202 | $2 | $204 | 2.13% |
| HAYLEY A HUNTER3 | 201 CAMERON CREEK LN SIMPSONVILLE, SC 29681 | AFLAC | $94 | — | $94 | 0.98% |
| DONALD P KREDENSOR3 | 1112 RIVER WALK DR SIMPSONVILLE, SC 29681 | AFLAC | $70 | — | $70 | 0.73% |
| JERRY CARROLL GENTRY3 | 7303 N LORRAINE ST HUTCHINSON, KS 67502 | AFLAC | $42 | $18 | $60 | 0.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SAMUEL G BROWN | 4008 N BLUESTEM ST MAIZE, KS 67101 | AFLAC | $38 | — | $38 | 0.40% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $29 | — | $29 | 0.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STEPHEN G BROWN | 555 N PLEASENTBURG DR STE 200 GREENVILLE, SC 29607 | AFLAC | $24 | — | $24 | 0.25% |
| JOSEPH P CALARCO3 | PO BOX 130 63 GENESEE ST STE 2 AUBURN, NY 13021 | AFLAC | $23 | — | $23 | 0.24% |
| JUSTIN C CARSON3 | 7701 E KELLOGG DR STE 600 WICHITA, KS 67207 | AFLAC | $20 | — | $20 | 0.21% |
| DANNY DANIELS3 Filed as: DANNY R DANIELS | 1931 SHARON RD WOODRUFF, SC 29388 | AFLAC | $13 | — | $13 | 0.14% |
| VINCE SCALETTA | 15 N WINDSOR DR ARLINGTON HEIGHTS, IL 60004 | AFLAC | $13 | — | $13 | 0.14% |
| LEIGH ANNE SEEMAN3 Filed as: LEIGH ANN SEEMAN | PO BOX 418 LARNED, KS 67550 | AFLAC | $12 | — | $12 | 0.13% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $10 | — | $10 | 0.10% |
| JERRY CARROLL GENTRY3 | 311 S WALL ST BUHLER, KS 67522 | AFLAC | $8 | — | $8 | 0.08% |
| BRAD J SCHUMACHER3 | 2804 COUNTRY LN HAYS, KS 67601 | AFLAC | $5 | — | $5 | 0.05% |
| KEVIN R MCFADDEN3 | 1820 W CANNING DR MOUNT PLEASANT, SC 29466 | AFLAC | $4 | — | $4 | 0.04% |
| GARY W JOHNSON3 | 123 CENTER PARK DR STS 102 KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.04% |
| DAYTON LLC3 | 324 OLD WOODS DR COLUMBIA, SC 29212 | AFLAC | $4 | — | $4 | 0.04% |
| JEREMY M SKEETERS3 | 6634 W ROY ROGERS RD PHOENIX, AZ 85083 | AFLAC | $3 | — | $3 | 0.03% |
| DAYTON LLC3 | 5445 OTC PARKWAY SUITE 10236 GREENWOOD VILLAGE, CO 80111 | AFLAC | $3 | — | $3 | 0.03% |
| JOSEPH P CALARCO3 | 63 GENESEE ST STE 2 PO BOX 130 AUBURN, NY 13021 | AFLAC | $2 | — | $2 | 0.02% |
| VINCE SCALETTA3 | 4552 N OTTAWA AVE NORRIDGE, IL 60706 | AFLAC | $2 | — | $2 | 0.02% |
| JOHN A BACON3 | 11630 W 158TH TER OVERLAND PARK, KS 66221 | AFLAC | $1 | — | $1 | 0.01% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | AFLAC | $1 | — | $1 | 0.01% |
| EMPLOYEE BENEFITS LLC3 Filed as: EMPLOYEE SERVICES, INC. | 55 CHAMBERLAIN STREET WELLSVILLE, NY 14895 | ESI GROUP | — | $8K | $8K | — |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 183 | $2.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $121K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $121K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 264 | $79K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 241 | $41K |
| Other(5 contracts, 4 carriers) | AFLAC | 283 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.