| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $45K | — | $45K | 2.17% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $7K | $10K | 7.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN &BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N136 WEST HARRISON, NY 10604 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.88% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA GROUP INSURANCE | $3K | $4K | $7K | 9.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $956 | $0 | $956 | 1.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $124 | $0 | $124 | 0.18% |
| THOMAS H HIGGINS3 | 6819 PITTSFORD PALMYRA RD 1050 HOOK RD FAIRPORT, NY 14450 | AFLAC | $3K | $0 | $3K | 4.67% |
| ALISHA K ROBINSON3 | PO BOX 272 OLD FORGE, NY 13420 | AFLAC | $2K | $0 | $2K | 3.27% |
| JEROME K CHENEY3 | 60 CHAPEL ST CANANDAIGUA, NY 14424 | AFLAC | $925 | $106 | $1K | 1.59% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $809 | $67 | $876 | 1.35% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $566 | $67 | $633 | 0.98% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $446 | $0 | $446 | 0.69% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $410 | $0 | $410 | 0.63% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DR NEW HARTFORD, NY 13413 | AFLAC | $384 | $0 | $384 | 0.59% |
| TERESA STRONG3 | PO BOX 52 MACEDON, NY 14502 | AFLAC | $344 | $0 | $344 | 0.53% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $314 | $0 | $314 | 0.49% |
| DAVID A COLLISON3 | 46 JOHNSTONE LN GEORGETOWN, SC 29440 | AFLAC | $124 | $0 | $124 | 0.19% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | AFLAC | $109 | $0 | $109 | 0.17% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $86 | $0 | $86 | 0.13% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $73 | $0 | $73 | 0.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | AFLAC | $65 | $0 | $65 | 0.10% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $25 | $0 | $25 | 0.04% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $5 | $0 | $5 | 0.01% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $4 | $0 | $4 | 0.01% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $3 | $0 | $3 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $2 | $0 | $2 | 0.00% |
| MICHAEL P FARLEY3 | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $2 | $0 | $2 | 0.00% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK CT CLIFTON PARK, NY 12065 | AFLAC | $1 | $0 | $1 | 0.00% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | $0 | $1 | 0.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $2K | — | $2K | 4.56% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA GROUP INSURANCE | $2K | $3K | $5K | 10.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $1K | — | $1K | 2.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $215 | — | $215 | 0.45% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA GROUP INSURANCE | $1K | $2K | $4K | 9.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $827 | $0 | $827 | 2.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $163 | $0 | $163 | 0.44% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $2K | $4K | 12.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 4.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $133 | — | $133 | 0.47% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA | $404 | — | $404 | 4.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA | $356 | — | $356 | 4.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA | $77 | — | $77 | 0.92% |
| JP INSURANCE SERVICE LLC3 | 7 BIRCHSTONE CT SIMPSONVILLE, SC 29681 | AFLAC | $294 | $51 | $345 | 5.57% |
| HAYLEY A HUNTER3 | 201 CAMERON CREEK LN SIMPSONVILLE, SC 29681 | AFLAC | $80 | $0 | $80 | 1.29% |
| KERRY COLVIN3 | 501 ROYAL DUTCH LN SIMPSONVILLE, SC 29681 | AFLAC | $64 | $10 | $74 | 1.20% |
| DONALD P KREDENSOR3 Filed as: DONALD KREDENSOR | 1112 RIVER WALK DR SIMPSONVILLE, SC 29681 | AFLAC | $54 | $0 | $54 | 0.87% |
| JUSTIN M GUIDI3 | 301 ROPER CREEK DR GREENVILLE, SC 29615 | AFLAC | $39 | $10 | $49 | 0.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SAMUAL G BROWN | 4008 N BLUESTEM ST MAIZE, KS 67101 | AFLAC | $32 | $0 | $32 | 0.52% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $21 | $0 | $21 | 0.34% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $21 | $0 | $21 | 0.34% |
| STEPHEN I BURGESS3 | 118 FAIRMEADOW WAY GREENVILLE, SC 29617 | AFLAC | $20 | $0 | $20 | 0.32% |
| JUSTIN C CARSON3 | 7701 E KELLOGG DR STE 680 WICHITA, KS 67207 | AFLAC | $17 | $0 | $17 | 0.27% |
| VINCE SCALETTA3 | 15 N WINDSOR DR ARLINGTON HEIGHTS, IL 60004 | AFLAC | $13 | $0 | $13 | 0.21% |
| DANNY DANIELS3 Filed as: DANNY R REYNOLDS | 1931 SHARON RD WOODRUFF, SC 29388 | AFLAC | $11 | $0 | $11 | 0.18% |
| KATHY WIEDEMANN3 Filed as: KATHY WIEDMANN | 222 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $9 | $0 | $9 | 0.15% |
| DAYTON LLC3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $6 | $0 | $6 | 0.10% |
| BRAD J SCHUMACHER3 Filed as: BRAD SCHUMACKER | 2804 COUNTRY LN HAYS, KS 67601 | AFLAC | $5 | $0 | $5 | 0.08% |
| GARY W JOHNSON3 | 802 LITTLE CREEK RD ANDERSON, SC 29621 | AFLAC | $3 | $0 | $3 | 0.05% |
| KEVIN R MCFADDEN3 | 1820 W CANNING DR MOUNT PLEASANT, SC 29466 | AFLAC | $2 | $0 | $2 | 0.03% |
| JEREMY M SKEETERS3 | 969 W MONTE LINDO PEORIA, AZ 85383 | AFLAC | $2 | $0 | $2 | 0.03% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | AFLAC | $1 | $0 | $1 | 0.02% |
| JOHN A BACON3 | 30837 SPRING VALLEY RD PAOLA, KS 66071 | AFLAC | $1 | $0 | $1 | 0.02% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA GROUP INSURANCE | $139 | $142 | $281 | 11.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVENUE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $138 | $0 | $138 | 5.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $29 | $0 | $29 | 1.14% |
| 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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 190 | $2.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $146K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $146K |
| Life insurance(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 243 | $124K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 183 | $56K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 243 | $28K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 190 | $2.1M |
| Other(7 contracts, 4 carriers) | CIGNA GROUP INSURANCE | 252 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.