| 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% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | AFLAC | $27K | — | $27K | 18.56% |
| MICHAEL P FARLEY3 Filed as: MICHAEL P. FARLEY | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $15K | $4K | $19K | 13.09% |
| STEVEN J O'DELL3 | 4970 FLATSTONE RD ALLEGANY, NY 14706 | AFLAC | $5K | $2K | $7K | 4.86% |
| PAMELA KARDEEN3 | 17 JAMESTOWN ST #1 GOWANDA, NY 14070 | AFLAC | $2K | $542 | $3K | 1.82% |
| JILL A SPIRA3 | 354 3RD ST YOUNGSTOWN, NY 14174 | AFLAC | $2K | $549 | $2K | 1.72% |
| LARAY KREBS3 Filed as: LARAY J KREBS | 2590 LENOX RD COLLINS, NY 14034 | AFLAC | $980 | $550 | $2K | 1.07% |
| GREGORY A KRAUZA3 | 35 E MAIN ST STE 2 FREDONIA, NY 14223 | AFLAC | $700 | $160 | $860 | 0.60% |
| PATRICK J ENGASSER3 | 190 CONANT DR TONAWANDA, NY 14223 | AFLAC | $481 | $123 | $604 | 0.42% |
| ANGELINA CONCIALDI3 Filed as: ANGELINA L CONCIALDI | 4 RUMSEY RD BUFFALO, NY 14209 | AFLAC | $433 | $155 | $588 | 0.41% |
| AMY S. HERMAN3 Filed as: AMY HERMAN | 12279 FLETCHER CHAPEL RD MEDINA, NY 14103 | AFLAC | $99 | — | $99 | 0.07% |
| DONALD VERGILS3 | 4860 GLENWOOD DR WILLIAMSVILLE, NY 14221 | AFLAC | $26 | — | $26 | 0.02% |
| KIMBERLY A BLOISE3 | 5056 W SHOREWOOD DR DUNKIRK, NY 14048 | AFLAC | $9 | — | $9 | 0.01% |
| DAVID M COUGHLIN3 | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $0 | — | $0 | 0.00% |
| FRANK J. MOLEY3 Filed as: FRANK J MOLEY | 5646 HIDDEN LAKE DR LOCKPORT, NY 14094 | AFLAC | $0 | — | $0 | 0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $5K | $5K | 5.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $4K | $4K | 5.34% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 5.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 5.37% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $476 | $476 | 5.33% |
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 | 787 | 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) | 787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 694 | $205K |
| Life insurance(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 269 | $138K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 136 | $87K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 114 | $34K |
| Prescription drug | BLUECROSS BLUE SHIELD OF WESTERN NEW YORK | 787 | $5.1M |
| Other(3 contracts, 2 carriers) | AFLAC | 269 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 787 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.