| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHWEST INSURANCE SERVICES3 | 3517 UNION RD 2ND FLOOR BUFFALO, NY 14225 | BLUECROSS BLUE SHIELD OF WESTERN NEW YORK | — | — | $0 | 0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $6K | $6K | 5.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $6K | $6K | 5.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $5K | $5K | 5.73% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | AFLAC | $20K | — | $20K | 24.83% |
| MICHAEL P FARLEY3 Filed as: MICHAEL P. FARLEY | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $12K | $4 | $12K | 14.20% |
| STEVEN J O'DELL3 | 4970 FLATSTONE RD ALLEGANY, NY 14706 | AFLAC | $4K | $445 | $4K | 5.17% |
| JILL A SPIRA3 | 354 3RD ST YOUNGSTOWN, NY 14174 | AFLAC | $1K | — | $1K | 1.81% |
| PAMELA KARDEEN3 | 17 JAMESTOWN ST #1 GOWANDA, NY 14070 | AFLAC | $1K | — | $1K | 1.77% |
| LARAY KREBS3 Filed as: LARAY J KREBS | 2590 LENOX RD COLLINS, NY 14034 | AFLAC | $690 | $162 | $852 | 1.05% |
| GREGORY A KRAUZA3 | 35 E MAIN ST STE 2 FREDONIA, NY 14223 | AFLAC | $369 | — | $369 | 0.45% |
| PATRICK J ENGASSER3 | 106 HARRISON AVE TONAWANDA, NY 14223 | AFLAC | $328 | — | $328 | 0.40% |
| ANGELINA CONCIALDI3 Filed as: ANGELINA L CONCIALDI | 4 RUMSEY RD BUFFALO, NY 14209 | AFLAC | $276 | — | $276 | 0.34% |
| GREGORY A KRAUZA3 | 35 E MAIN ST STE 2 FREDONIA, NY 14063 | AFLAC | $252 | — | $252 | 0.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $3K | $3K | 5.94% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $714 | $714 | 5.97% |
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 | 992 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 992 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 987 | $257K |
| Life insurance(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 400 | $195K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 213 | $115K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 148 | $51K |
| Prescription drug | BLUECROSS BLUE SHIELD OF WESTERN NEW YORK | 992 | $6.7M |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 400 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 992 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.