| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | HIGHMARK BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $23K | — | $23K | 2.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC | P.O. BOX 4557 NEW YORK, NY 10249 | HIGHMARK BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $11K | — | $11K | 1.16% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $3K | — | $3K | 7.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY STREET NEW YORK, NY 10281 | GUARDIAN | $1K | — | $1K | 2.92% |
| TIMOTHY J. STANTON3 | 194 GENESEE STREET AVON, NY 14414 | AFLAC | $2K | $25 | $3K | 10.11% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $390 | $6 | $396 | 1.60% |
| STARTING LINE SOLUTIONS INC3 | 7 RUSH WEST RUSH ROAD RUSH, NY 14543 | AFLAC | $301 | $6 | $307 | 1.24% |
| ERIN HOLZSCHUH3 | 550 LATONA RD STE 410 BUILDING D ROCHESTER, NY 14626 | AFLAC | $253 | — | $253 | 1.02% |
| TIMOTHY HENDERSON3 | 13 WILD LAUREL LANE HILTON HEAD, SC 29926 | AFLAC | $117 | — | $117 | 0.47% |
| ROBERT PELTON3 | 2119 US ROUTE 20 SENECA FALLS, NY 13148 | AFLAC | $103 | — | $103 | 0.42% |
| DEBRA PARKER3 Filed as: DEBRA M. PARKER | 20 BOWEN ST. AUBURN, NY 13021 | AFLAC | $102 | — | $102 | 0.41% |
| JOHN R. CRIST3 | 29 WELLWORTH PLACE CHEEKTOWAGA, NY 14225 | AFLAC | $83 | — | $83 | 0.33% |
| TERESA STRONG3 | 1070 SKATES STREET THE VILLAGES, FL 32163 | AFLAC | $67 | — | $67 | 0.27% |
| JOHN COGAN3 Filed as: JOHN J. COGAN | 2145 1ST AVE. ONTARIO, NY 14519 | AFLAC | $64 | — | $64 | 0.26% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $51 | — | $51 | 0.21% |
| ANDREW T. HUNTER3 | 136 KING ROAD CHURCHVILLE, NY 14428 | AFLAC | $31 | — | $31 | 0.12% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $28 | — | $28 | 0.11% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES INC. | 19 BRITISH AMERICAN BLVD. LATHAM, NY 12110 | AFLAC | $21 | — | $21 | 0.08% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | AFLAC | $18 | — | $18 | 0.07% |
| JACQUELINE M. AVERY3 | 283 BELVE DR. GARNER, NC 27529 | AFLAC | $14 | — | $14 | 0.06% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $11 | — | $11 | 0.04% |
| MARK WELCH3 | 303 EAST MAIN STREET AVON, NY 14414 | AFLAC | $6 | — | $6 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $6 | — | $6 | 0.02% |
| COLLIN WHEATLEY | 350 ROXBOROUGH RD ROCHESTER, NY 14619 | AFLAC | $4 | — | $4 | 0.02% |
| LAURIE SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $3 | — | $3 | 0.01% |
| STEVEN DALABA3 | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $2 | — | $2 | 0.01% |
| LAURA ANNE CALARCO3 Filed as: LAURA CALARCO | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID B PERLEE3 Filed as: DAVID PERLEE | 1989 NEPTUNE DR ENGLEWOOD, FL 34223 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 300 AIRBORNE PARKWAY SUITE 208 BUFFALO, NY 14225 | FIRST UNUM LIFE INSURANCE COMPANY | $495 | $41 | $536 | 5.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 300 AIRBORNE PARKWAY SUITE 208 BUFFALO, NY 14225 | FIRST UNUM LIFE INSURANCE COMPANY | $27 | $11 | $38 | 1.70% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 113 | $969K |
| Dental | GUARDIAN | 121 | $45K |
| Vision | GUARDIAN | 121 | $45K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 121 | $47K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 15 | $10K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 113 | $944K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 121 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.