| 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 | $29K | — | $29K | 3.23% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN ST WILLIAMSVILE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $5K | $22K | 18.48% |
| MICHAEL P FARLEY3 Filed as: MICHAEL P. FARLEY | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $11K | $87 | $11K | 13.42% |
| GREGORY A KRAUZA3 | 35 E MAIN STREET STE 2 FREDONIA, NY 14063 | AFLAC | $2K | — | $2K | 1.84% |
| AMY S. HERMAN3 Filed as: AMY S HERMAN | 12279 FLETCHER CHAPEL RD MEDINA, NY 14103 | AFLAC | $1K | — | $1K | 1.59% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY D. MAZUROWSKI | 156 DEER RDG GETZVILLE, NY 14068 | AFLAC | $797 | — | $797 | 0.95% |
| DANIEL C. JUDGE3 | 58 MANSER DRIVE AMHERST, NY 14226 | AFLAC | $373 | — | $373 | 0.44% |
| JOSEPH F MOLEY3 | 55 VIA DONATO DEPEW, NY 14043 | AFLAC | $373 | — | $373 | 0.44% |
| PATRICK J ENGASSER3 Filed as: PATRICK J. ENGASSER | 106 HARRISON AVENUE TONAWANDA, NY 14223 | AFLAC | $351 | $20 | $371 | 0.44% |
| JOSHUA Y WILLIAMS3 | 4363 CHESTNUT RIDGE APT 2 BUFFALO, NY 14228 | AFLAC | $329 | — | $329 | 0.39% |
| FRANK J. MOLEY3 | 5646 HIDDEN LAKE DRIVE LOCKPORT, NY 14094 | AFLAC | $280 | — | $280 | 0.33% |
| STEVEN J O'DELL3 | 4970 FLATSTONE RD ALLEGANY, NY 14706 | AFLAC | $257 | — | $257 | 0.30% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | 63 GENESEE ST, STE 2,PO BOX 130 AUBURN, NY 13021 | AFLAC | $212 | — | $212 | 0.25% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES & ASSOCIATES INC | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $136 | — | $136 | 0.16% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 3840 JARRETT DRIVE NORTH TONAWANDA, NY 14120 | AFLAC | $81 | — | $81 | 0.10% |
| PATRICK J ENGASSER3 Filed as: PATRICK J. ENGASSER | 190 CONANT DR TONAWANDA, NY 14223 | AFLAC | $70 | — | $70 | 0.08% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $56 | — | $56 | 0.07% |
| SUSAN A. MICHALSKI3 | 364 HUNTERS LANE WILLIAMSVILE, NY 14221 | AFLAC | $49 | — | $49 | 0.06% |
| DUCK & COVER NY INC3 Filed as: DUCK & COVER NY INC. | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $40 | — | $40 | 0.05% |
| JILL A SPIRA3 | 354 THIRD STREET YOUNGSTOWN, NY 14174 | AFLAC | $35 | — | $35 | 0.04% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $25 | — | $25 | 0.03% |
| JOSEPH P. MOLEY3 | 60 CREETON DRIVE AMHERST, NY 14228 | AFLAC | $24 | — | $24 | 0.03% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $23 | — | $23 | 0.03% |
| SHERRI L. MORGAN3 | 2744 MOORE ROAD RANSOMVILLE, NY 14131 | AFLAC | $22 | — | $22 | 0.03% |
| MICHAEL P FARLEY3 Filed as: MICHAEL S KLING | 92 JEFFERY DRIVE AMHERST, NY 14228 | AFLAC | $21 | — | $21 | 0.02% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DR. SARATOGA SPRINGS, NY 12866 | AFLAC | $19 | — | $19 | 0.02% |
| ROBERT F FAHEY3 Filed as: ROBERT A. CHARNOCK | 5528 OAKFIELD LN BUFFALO, NY 14221 | AFLAC | $13 | — | $13 | 0.02% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $13 | — | $13 | 0.02% |
| ALAN LECLAIRE3 Filed as: ALAN RICHARD LECLAIRE | 10600 CHEVROLET WAY STE 202 ESTERO, FL 33928 | AFLAC | $10 | — | $10 | 0.01% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS K. GATHRIGHT, JR | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $9 | — | $9 | 0.01% |
| MICHAEL HOGAN3 Filed as: MICHAEL J. HOGAN | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $9 | — | $9 | 0.01% |
| LAURA BOHANNON3 | 23 S. MARVINE AVE. AUBURN, NY 13021 | AFLAC | $7 | — | $7 | 0.01% |
| STEVEN DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $6 | — | $6 | 0.01% |
| IAN MCNABB3 | 40 WILLOW POND WAY, APT 101 PENFIELD, NY 14526 | 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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | 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 | 227 | $984K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $119K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $119K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $119K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $119K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $119K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 227 | $900K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.