| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYTLE ASSOCIATES, INC.3 Filed as: LYTLE ASSOCIATES | 101 LANG BLVD GRAND ISLAND, NY 14072 | INDEPENDENT HEALTH | $77K | — | $77K | 1.96% |
| LYTLE ASSOCIATES, INC.3 Filed as: LYTLE ASSOCIATES INC | 101 LANG BLVD GRAND ISLAND, NY 14072 | HEALTH NOW NEW YORK DBA BLUE CROSS OF WNY | $2K | — | $2K | 1.44% |
| LYTLE ASSOCIATES, INC.3 Filed as: LYTLE ASSOCIATES INC. | 101 LANG BLVD PO BOX 470 GRAND ISLAND, NY 14072 | THE HARTFORD | $5K | — | $5K | 3.98% |
| LYTLE ASSOCIATES, INC.3 Filed as: LYTLE ASSOCIATES INC | 101 LANG BLVD GRAND ISLAND, NY 14072 | HEALTH NOW NEW YORK INC | $2K | — | $2K | 5.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THOMAS L PANEK EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $126K |
| TRACY BAUGHER EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $78K |
| GORLICK KRAVITZ AND LISTHAUS P C EIN 13-3790829 N/A | Legal Service code 29 | 17 STATE STREET 4TH FLOOR NEW YORK, NY 10004 | $74K |
| PROSKAUER ROSE LLP EIN 13-1840454 N/A | Legal Service code 29 | ELEVEN TIMES SQUARE NEW YORK, NY 10036 | $57K |
| JOANNE CHIAVETTA EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $54K |
| JULIE MURDOLA EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $48K |
| NYS HEALTH AND SAFETY FUND EIN 22-3110941 N/A | Consulting (general) Service code 16 | 18 CORPORATE WOODS 3RD FLOOR ALBANY, NY 12211 | $45K |
| JBM COMPUTER CONSULTANTS EIN 16-1173118 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 20 NORTH AMERICAN DRIVE WEST SENECA, NY 14224 | $44K |
| LUMSDEN & MCCORMICK LLP EIN 16-0765486 N/A | Accounting (including auditing) Service code 10 | CYCLORAMA BUILDING 369 FRANKLIN STREET BUFFALO, NY 14202 | $38K |
| SHERRI KOESTLER EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $32K |
| JOE MCCARTHY AND ASSOCIATES EIN 16-1125088 N/A | Accounting (including auditing) Service code 10 | 7644 RT 31 WEST BALDWINSVILLE, NY 13027 | $24K |
| EMPLOYEE RESOURCE INC EIN 16-1410179 N/A | Consulting (general) Service code 16 | 77 BROADWAY SUITE 110 BUFFALO, NY 14203 | $22K |
| M&T BANK EIN 16-6265706 N/A | Consulting (general) Service code 16 | ONE M AND T PLAZA BUFFALO, NY 14203 | $11K |
| SEGAL CO EIN 13-1835864 N/A | Consulting (pension) Service code 17 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $8K |
| EMILY BAUGHER EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $7K |
| THE BOGDAHN GROUP EIN 59-3676225 N/A | Investment management Service code 28 | 4901 VINELAND ROAD SUITE 600 ORLANDO, FL 32811 | $5K |
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 | 2,135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENT HEALTH | 752 | $4.1M |
| Life insurance | THE HARTFORD | 544 | $122K |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENT HEALTH | 752 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
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.