| 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 | $36K | — | $36K | 2.80% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN ST WILLIAMSVILE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $17K | 17.85% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.71% |
| MICHAEL P FARLEY3 Filed as: MICHAEL P. FARLEY | 5586 MAIN STREET WILLIAMSVILE, NY 14221 | AFLAC | $7K | $151 | $7K | 9.36% |
| PATRICK J ENGASSER3 Filed as: PATRICK J. ENGASSER | 190 CONANT DR TONAWANDA, NY 14223 | AFLAC | $816 | — | $816 | 1.07% |
| GREGORY A KRAUZA3 Filed as: GREGORY A. KRAUZA | 35 E MAIN STREET STE 2 FREDONIA, NY 14063 | AFLAC | $578 | $35 | $613 | 0.80% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY D. MAZUROWSKI | 156 DEER RDG GETZVILLE, NY 14068 | AFLAC | $593 | — | $593 | 0.78% |
| JOSEPH F MOLEY3 Filed as: JOSEPH F. MOLEY | 55 VIA DONATO DEPEW, NY 14043 | AFLAC | $293 | — | $293 | 0.38% |
| DANIEL C. JUDGE3 | 58 MANSER DRIVE AMHERST, NY 14226 | AFLAC | $276 | — | $276 | 0.36% |
| BEVERLY BARRY3 | 26 PALMER AVENUE BUFFALO, NY 14217 | AFLAC | $256 | — | $256 | 0.34% |
| FRANK J. MOLEY | 5646 HIDDEN LAKE DRIVE LOCKPORT, NY 14094 | AFLAC | $167 | — | $167 | 0.22% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $157 | — | $157 | 0.21% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES & ASSOCIATES INC | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $111 | — | $111 | 0.15% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL MOLEY | 3840 JARRETT DRIVE NORTH TONAWANDA, NY 14120 | AFLAC | $77 | — | $77 | 0.10% |
| KELLY A IRVINE3 Filed as: KELLY A. IRVINE | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $42 | — | $42 | 0.06% |
| SUSAN A. MICHALSKI3 | 364 HUNTERS LANE WILLIAMSVILE, NY 14221 | AFLAC | $36 | — | $36 | 0.05% |
| DUCK & COVER NY INC3 Filed as: DUCK & COVER NY INC. | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $29 | — | $29 | 0.04% |
| JOSEPH P. MOLEY3 | 60 CREE TON DRIVE AMHERST, NY 14228 | AFLAC | $25 | — | $25 | 0.03% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $20 | — | $20 | 0.03% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $19 | — | $19 | 0.02% |
| MICHAEL P FARLEY3 Filed as: MICHAEL S. KLING | 92 JEFFERY DRIVE AMHERST, NY 14228 | AFLAC | $17 | — | $17 | 0.02% |
| JILL A SPIRA3 Filed as: JILL A. SPIRA | 354 THIRD STREET YOUNGSTOWN, NY 14174 | AFLAC | $16 | — | $16 | 0.02% |
| SHERRI L. MORGAN3 | 2744 MOORE ROAD RANSOMVILLE, NY 14131 | AFLAC | $15 | — | $15 | 0.02% |
| RUSSELL T BARRETT3 Filed as: RUSSELL T. BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $14 | — | $14 | 0.02% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS K. GATHRIGHT, JR | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $10 | — | $10 | 0.01% |
| MICHAEL HOGAN3 Filed as: MICHAEL J. HOGAN | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | AFLAC | $10 | — | $10 | 0.01% |
| ALAN LECLAIRE3 Filed as: ALAN RICHARD LECLAIRE | 10600 CHEVROLET WAY STE 202 ESTERO, FL 33928 | AFLAC | $10 | — | $10 | 0.01% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $8 | — | $8 | 0.01% |
| AMY S. HERMAN3 | 11646 FLETCHER CHAPEL RD MEDINA, NY 14103 | AFLAC | $8 | — | $8 | 0.01% |
| ROBERT F FAHEY3 Filed as: ROBERT A. CHARNOCK | 5528 OAKFIELD LN BUFFALO, NY 14221 | AFLAC | $6 | — | $6 | 0.01% |
| STEVEN E DALABA3 Filed as: STEVEN E. DALABA | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $4 | — | $4 | 0.01% |
| LAURA BOHANNON3 | 23 S. MARVINE AVE. AUBURN, NY 13021 | AFLAC | $3 | — | $3 | 0.00% |
| IAN MCNABB3 | 312 FERRIS HLS CANANDAIGUA, NY 14424 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN B INFERRERA3 Filed as: JOHN B. 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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 138 | 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 | 206 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $94K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $94K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $94K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $94K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $94K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 206 | $1.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.