| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHOICE EMPLOYEE BENEFITS GROUP3 | 8207 MAIN STREET SUITE 12 WILLIAMSVILLE, NY 14221 | UNIVERA HEALTH CARE | $37K | — | $37K | 3.30% |
| DANIEL D COTE3 | PO BOX 246 LEROY, NY 14482 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 5.90% |
| JOSEPH S PORTO3 Filed as: JOSEPH PORTO | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 4.81% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $714 | — | $714 | 1.31% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN CASTLE SUITE H-1 NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $513 | — | $513 | 0.94% |
| DAVID MIDDLEMISS3 | 809 WEST MORELAND AVENUE SYRACUSE, NY 13210 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $419 | — | $419 | 0.77% |
| THE MCCLAIN GROUP LLC3 | PO BOX 882 CANNONSBURG, PA 15317 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $182 | — | $182 | 0.33% |
| KAREN BELL3 | 55 SEWILO HILLS DRIVE ROCHESTER, NY 14622 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $128 | — | $128 | 0.24% |
| CINDY HEIDEN3 | 1380 PLANK ROAD WALWORTH, NY 14568 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $90 | — | $90 | 0.17% |
| WILLIAM J MARKS3 | PO BOX 882 MCMURRAY, PA 15317 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $78 | — | $78 | 0.14% |
| COREY NOVAK3 | 7 SCHOOL STREET LEROY, NY 14482 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $59 | — | $59 | 0.11% |
| DAVID MIDDLEMISS3 | 809 WESTMORELAND AVENUE SYRACUSE, NY 13210 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $13 | — | $13 | 0.02% |
| THE MARLETTE GROUP3 | 58 HALLAM ROAD BUFFAL, NY 14216 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $3 | — | $3 | 0.01% |
| JAMES DENNIS3 | 90 BRYANT WOODS SOUTH AMHERST, NY 14228 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2 | — | $2 | 0.00% |
| CHOICE EMPLOYEE BENEFITS GROUP3 Filed as: CHOICE EMPLOYEE BENEFITS GROUP LLC | 8665 SHERIDAN DRIVE SUITE 3 WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.92% |
| STEVEN D GOODMAN3 | 97 CHAHAM AVENUE BUFFALO, NY 14216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $872 | — | $872 | 5.28% |
| JOSEPH H BORCHERS3 | 19309 PIER POINT COURT LUTZ, FL 33556 | FIRST UNUM LIFE INSRUANCE COMPANY | $3K | — | $3K | 28.98% |
| GORDON A LENZ INDUSTRIES, LTD3 Filed as: GORDON A LENZ INDUSTRIES LTD | 180 E MAIN STREET SUITE 205 PATCHOGUE, NY 11772 | FIRST UNUM LIFE INSRUANCE COMPANY | -$1K | — | -$1K | -12.62% |
| GETTYSBURG BENEFITS ADMINISTRATION3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 28.94% |
| JOSEPH S PORTO3 | 15 WHISPERING COURT EAST AMHERST, NY 14051 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 13.36% |
| MICKEY J GEBO3 | 480 LOUD ROAD FAIRORT, NY 14450 | TRUSTMARK INSURANCE COMPANY | $196 | — | $196 | 2.23% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 47.48% |
| JOSEPH S PORTO3 | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 21.91% |
| MICKEY J GEBO3 Filed as: MICKEY JOHN GEBO | 480 LOUD ROAD FAIRPORT, NY 14450 | FIRST UNUM LIFE INSURANCE COMPANY | $280 | — | $280 | 3.65% |
| GETTYSBURG BENEFITS ADMINISTRATION3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 32.98% |
| JOSEPH S PORTO3 Filed as: JOSEPH S POTO | 15 WHISPERING COURT EAST AMHERST, NY 14051 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 15.22% |
| MICKEY J GEBO3 | 480 LOUD ROAD FAIRORT, NY 14450 | TRUSTMARK INSURANCE COMPANY | $190 | — | $190 | 2.53% |
| JOSEPH S PORTO3 | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | ALLSTATE | $192 | — | $192 | 6.19% |
| DANIEL D COTE3 | PO BOX 246 LEROY, NY 14482 | ALLSTATE | $138 | — | $138 | 4.45% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16015 | ALLSTATE | $128 | — | $128 | 4.13% |
| JEREMY LUTZ3 | 126 BATTERY B STREET NEW CASTLE, PA 16102 | ALLSTATE | $86 | — | $86 | 2.77% |
| DIANE M WORLEY3 | 20240 BOCKMAN HOLLOW ROAD SAEGERTOWN, PA 16433 | ALLSTATE | $27 | — | $27 | 0.87% |
| DUSTIN AULT3 | 7593 YOUNGSTOWN PITTSBURG ROAD POLAND, OH 44514 | ALLSTATE | $10 | — | $10 | 0.32% |
| LAURIE AULT3 Filed as: LAURIE L AULT | 315 GREEN RIDGE DRIVE SUITE H 1 NEW CASTLE, PA 16015 | ALLSTATE | $9 | — | $9 | 0.29% |
| TYLER AULT3 | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16105 | ALLSTATE | $3 | — | $3 | 0.10% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTH CARE | 183 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $17K |
| Life insurance(4 contracts, 4 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 63 | $75K |
| Short-term disability(3 contracts, 3 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 57 | $68K |
| Long-term disability(3 contracts, 3 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 57 | $68K |
| Other(6 contracts, 5 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 100 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.