See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 3 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 5 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THOMAS L PANEK EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE, SUITE 200 CHEEKTOWAGA, NY 14227 | $174K |
| GORLICK, KRAVITZ & LISTHAUS PC EIN 13-3790829 N/A | Legal Service code 29 | 17 STATE STREET 4TH FLOOR NEW YORK, NY 10004 | $154K |
| TRACY BAUGHER EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTWOAGA, NY 14227 | $121K |
| JOANNE CHIAVETTA EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $80K |
| JULIE MURDOLA EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $73K |
| JOE MCCARTHY AND ASSOCIATES EIN 16-1125088 N/A | Accounting (including auditing) Service code 10 | 7738 OSWEGO ROAD LIVERPOOL, NY 13090 | $49K |
| PROSKAUER ROSE LLP EIN 13-1840454 N/A | Legal Service code 29 | ELEVEN TIMES SQUARE NEW YORK, NY 10036 | $42K |
| NYS LABORERS HEALTH AND SAFETY FUND EIN 22-3110941 N/A | Consulting (general) Service code 16 | 18 CORPORATE WOODS ALBANY, NY 12211 | $41K |
| SHERRI KOESTLER EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE CHEEKTOWAGA, NY 14227 | $41K |
| 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 | $31K |
| EMPLOYEE RESOURCE INC EIN 16-1410179 N/A | Consulting (general) Service code 16 | 77 BROADWAY SUITE 100 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 | $16K |
| LUMSDEN & MCCORMICK LLP EIN 16-0765486 N/A | Accounting (including auditing) Service code 10 | CYCLORAMA BUILDING 369 FRANKLIN STREET BUFFALO, NY 14202 | $16K |
| ANDCO CONSULTING CO 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 | 636 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 792 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 197 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 170 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH | 761 | $3.8M |
| Life insurance | THE HARTFORD | 561 | $112K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENT HEALTH | 761 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 761 | — |
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."
The primary broker changed. The plan may take a second-look pitch.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.