| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANNER BENEFITS, LLC3 | 11 PINCHOT CT SUITE 100 AMHERST, NY 14228 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $25K | — | $25K | 2.68% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN ST WILLIAMSVILE, NY 14221 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $5K | — | $5K | 0.52% |
| VANNER BENEFITS, LLC3 Filed as: VANNER BENEFITS LLC | 11 PINCHET CT SUITE 100 AMHERST, NY 14228 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $6K | $16K | 9.27% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN ST WILLIAMSVILE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.19% |
| MICHAEL P FARLEY3 Filed as: MICHAEL P. FARLEY | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $7K | $97 | $7K | 10.71% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY D. MAZUROWSKI | 97 CHAUMONT DRIVE WILLIAMSVILE, NY 14221 | AFLAC | $874 | $21 | $895 | 1.40% |
| JOSEPH F MOLEY3 | 55 VIA DONATO DEPEW, NY 14043 | AFLAC | $440 | — | $440 | 0.69% |
| DANIEL C. JUDGE3 | 58 MANSER DRIVE AMHERST, NY 14226 | AFLAC | $425 | — | $425 | 0.66% |
| FRANK J. MOLEY3 | 5646 HIDDEN LAKE DRIVE LOCKPORT, NY 14094 | AFLAC | $323 | — | $323 | 0.51% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | 63 GENESEE ST, STE 2,PO BOX 130 AUBURN, NY 13021 | AFLAC | $233 | — | $233 | 0.36% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 3840 JARRETT DRIVE NORTH TONAWANDA, NY 14120 | AFLAC | $153 | — | $153 | 0.24% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES & ASSOCIATES INC | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $151 | — | $151 | 0.24% |
| PATRICK J ENGASSER3 Filed as: PATRICK J. ENGASSER | 106 HARRISON AVENUE TONAWANDA, NY 14223 | AFLAC | $146 | — | $146 | 0.23% |
| MICHAEL R. RUSSO3 | 31 DORAL COURT EAST AMHERST, NY 14051 | AFLAC | $46 | $30 | $76 | 0.12% |
| SUSAN A. MICHALSKI3 | 364 HUNTERS LANE WILLIAMSVILE, NY 14221 | AFLAC | $49 | — | $49 | 0.08% |
| JILL A SPIRA3 | 354 THIRD STREET YOUNGSTOWN, NY 14174 | AFLAC | $42 | — | $42 | 0.07% |
| JOSEPH P. MOLEY3 | 60 CREETON DRIVE AMHERST, NY 14228 | AFLAC | $34 | — | $34 | 0.05% |
| SHERRI L. MORGAN3 | 2744 MOORE ROAD RANSOMVILLE, NY 14131 | AFLAC | $34 | — | $34 | 0.05% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $30 | — | $30 | 0.05% |
| MICHAEL P FARLEY3 Filed as: MICHAEL S. KLING | 92 JEFFERY DRIVE AMHERST, NY 14228 | AFLAC | $26 | — | $26 | 0.04% |
| ROBERT F FAHEY3 Filed as: ROBERT A. CHARNOCK | 66 PATTON PLACE WILLIAMSVILE, NY 14221 | AFLAC | $19 | — | $19 | 0.03% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $19 | — | $19 | 0.03% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 333 GLEN STREET, SUITE 201 GLENS FALLS, NY 12801 | AFLAC | $15 | $2 | $17 | 0.03% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS K. GATHRIGHT, JR | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $12 | — | $12 | 0.02% |
| DUCK & COVER NY INC3 Filed as: DUCK & COVER NY INC. | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $11 | — | $11 | 0.02% |
| ALAN LECLAIRE3 Filed as: ALAN RICHARD LECLAIRE | 10600 CHEVROLET WAY STE 202 ESTERO, FL 33928 | AFLAC | $10 | — | $10 | 0.02% |
| MICHAEL HOGAN3 Filed as: MICHAEL J. HOGAN | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $9 | — | $9 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $6 | — | $6 | 0.01% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DR. SARATOGA SPRINGS, NY 12866 | AFLAC | $5 | — | $5 | 0.01% |
| LAURA BOHANNON3 | 23 S. MARVINE AVE. AUBURN, NY 13021 | AFLAC | $2 | $2 | $4 | 0.01% |
| STEVEN DALABA3 | 405 CRAVER POINTE DR. CLEMMONS, NC 27012 | AFLAC | $2 | — | $2 | 0.00% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 237 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $170K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $170K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $170K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $170K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $170K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 237 | $949K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.