| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $33K | — | $33K | 2.74% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $5K | $2K | $8K | 14.02% |
| TIMOTHY J. STANTON3 Filed as: TIMOTHY J STANTON | 194 GENESEE ST AVON, NY 14202 | AFLAC | $3K | $94 | $3K | 8.11% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | AFLAC | $2K | — | $2K | 6.73% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $805 | $16 | $821 | 2.37% |
| SHANE STICKLE3 | 6787 VAIL DR HAMBURG, NY 14075 | AFLAC | $350 | — | $350 | 1.01% |
| PAUL SAMUEL OWENS3 | 279 RIVER ST ROCHESTER, NY 14612 | AFLAC | $131 | — | $131 | 0.38% |
| ERIN HOLZSCHUH3 Filed as: ERIN L HOLZSCHUH | 1372 COVELL RD BROCKPORT, NY 14420 | AFLAC | $130 | — | $130 | 0.37% |
| TIMOTHY HENDERSON3 | 13 WILD LAUREL LN HILTON HEAD, SC 29926 | AFLAC | $127 | — | $127 | 0.37% |
| STARTING LINE SOLUTIONS INC3 | 7 RUSH WEST RUSH RD RUSH, NY 14543 | AFLAC | $116 | — | $116 | 0.33% |
| ROBERT PELTON3 | 2119 US ROUTE 20 SENECA FALLS, NY 13148 | AFLAC | $111 | — | $111 | 0.32% |
| DEBRA PARKER3 | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $78 | — | $78 | 0.22% |
| COLLIN WHEATLEY3 | 350 ROXBOROUGH RD ROCHESTER, NY 14619 | AFLAC | $52 | $16 | $68 | 0.20% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $48 | — | $48 | 0.14% |
| ANDREW T. HUNTER3 Filed as: ANDREW HUNTER | 136 KING RD CHURCHVILLE, NY 14428 | AFLAC | $33 | — | $33 | 0.10% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $21 | — | $21 | 0.06% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $19 | — | $19 | 0.05% |
| TERESA STRONG3 | 1070 SKATES ST THE VILLAGES, FL 32163 | AFLAC | $15 | — | $15 | 0.04% |
| JACQUELINE M. AVERY3 Filed as: JACQUELINE M AVERY | 283 BELVE DR GARNER, NC 27529 | AFLAC | $15 | — | $15 | 0.04% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $11 | — | $11 | 0.03% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $7 | — | $7 | 0.02% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $3 | — | $3 | 0.01% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN COGAN3 | 2145 1ST AVE ONTARIO, NY 14519 | AFLAC | — | — | $0 | 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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 121 | $1.2M |
| Dental | GUARDIAN | 143 | $56K |
| Vision | GUARDIAN | 143 | $56K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 143 | $60K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 21 | $12K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 121 | $1.2M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 143 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.