| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN ST WILLIAMSVILE, NY 14221 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $33K | — | $33K | 3.54% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN ST WILLIAMSVILE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 14.56% |
| MICHAEL P FARLEY3 Filed as: MICHAEL P. FARLEY | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $5K | $383 | $5K | 8.50% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY D. MAZUROWSKI | 97 CHAUMONT DRIVE WILLIAMSVILE, NY 14221 | AFLAC | $814 | — | $814 | 1.27% |
| PATRICK J ENGASSER3 Filed as: PATRICK J. ENGASSER | 106 HARRISON AVENUE TONAWANDA, NY 14223 | AFLAC | $469 | — | $469 | 0.73% |
| JOSEPH F MOLEY3 | 55 VIA DONATO DEPEW, NY 14043 | AFLAC | $417 | — | $417 | 0.65% |
| DANIEL C. JUDGE3 | 58 MANSER DRIVE AMHERST, NY 14226 | AFLAC | $404 | — | $404 | 0.63% |
| FRANK J. MOLEY3 | 5646 HIDDEN LAKE DRIVE LOCKPORT, NY 14094 | AFLAC | $311 | — | $311 | 0.48% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | 63 GENESEE ST, STE 2,PO BOX 130 AUBURN, NY 13021 | AFLAC | $215 | — | $215 | 0.34% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES & ASSOCIATES INC | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $140 | — | $140 | 0.22% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 3840 JARRETT DRIVE NORTH TONAWANDA, NY 14120 | AFLAC | $129 | — | $129 | 0.20% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $58 | — | $58 | 0.09% |
| KENNETH CHEN3 | 8145 FLOSS LANE EAST AMHERST, NY 14051 | AFLAC | $52 | — | $52 | 0.08% |
| SUSAN A. MICHALSKI3 | 364 HUNTERS LANE WILLIAMSVILE, NY 14221 | AFLAC | $49 | — | $49 | 0.08% |
| DUCK & COVER NY INC3 Filed as: DUCK & COVER NY INC. | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $41 | — | $41 | 0.06% |
| JILL A SPIRA3 | 354 THIRD STREET YOUNGSTOWN, NY 14174 | AFLAC | $39 | — | $39 | 0.06% |
| JOSEPH P. MOLEY3 | 60 CREETON DRIVE AMHERST, NY 14228 | AFLAC | $33 | — | $33 | 0.05% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $28 | — | $28 | 0.04% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $24 | — | $24 | 0.04% |
| MICHAEL P FARLEY3 Filed as: MICHAEL S. KLING | 92 JEFFERY DRIVE AMHERST, NY 14228 | AFLAC | $22 | — | $22 | 0.03% |
| SHERRI L. MORGAN3 | 2744 MOORE ROAD RANSOMVILLE, NY 14131 | AFLAC | $22 | — | $22 | 0.03% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DR. SARATOGA SPRINGS, NY 12866 | AFLAC | $19 | — | $19 | 0.03% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $14 | — | $14 | 0.02% |
| ROBERT F FAHEY3 Filed as: ROBERT A. CHARNOCK | 66 PATTON PLACE WILLIAMSVILE, NY 14221 | AFLAC | $13 | — | $13 | 0.02% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS K. GATHRIGHT, JR | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $12 | — | $12 | 0.02% |
| MICHAEL HOGAN3 Filed as: MICHAEL J. HOGAN | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $10 | — | $10 | 0.02% |
| ALAN LECLAIRE3 Filed as: ALAN RICHARD LECLAIRE | 10600 CHEVROLET WAY STE 202 ESTERO, FL 33928 | AFLAC | $10 | — | $10 | 0.02% |
| LAURA BOHANNON3 | 23 S. MARVINE AVE. AUBURN, NY 13021 | AFLAC | $7 | — | $7 | 0.01% |
| STEVEN DALABA3 | 405 CRAVER POINTE DR. CLEMMONS, NC 27012 | AFLAC | $6 | — | $6 | 0.01% |
| IAN MCNABB3 | 40 MILFORD RD ROCHESTER, NY 14625 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $1 | — | $1 | 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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | 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 | 231 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $121K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $121K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $121K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $121K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $121K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 231 | $944K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.