| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AEBLYAND ASSOCIATES INSURANCE3 | 3638 SENECA STREET WEST SENECA, NY 14224 | INDEPENDENT HEALTH BENEFITS CORPORATION | $80K | $0 | $80K | 2.44% |
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY & ASSOCIAED, INC. | 3638 SENECA STREET WEST SENECA, NY 14224 | BLUE CROSS BLUE SHIELD OF WNY | $9K | — | $9K | 7.75% |
| WALSH JONES AGENCY INC3 | 3638 SENECA STREET WEST SENECA, NY 14224 | THE HARTFORD | $3K | — | $3K | 5.61% |
| SUMMIT CONSULTANTS & ADVISORS | 6928 WILLIAMS ROAD NIAGARA FALLS, NY 14304 | GUARDIAN INSURANCE | $3K | — | $3K | 7.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THOMAS L PANEK EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $182K |
| GORLICK KRAVITZ AND LISTHAUS PC EIN 13-3790829 N/A | Legal Service code 29 | 17 STATE STREET 4TH FLOOR NEW YORK, NY 10004 | $180K |
| TRACY BAUGHER EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $127K |
| JOANNE CHIAVETTA EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $81K |
| JULIE MURDOLA EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $77K |
| PROSKAUER ROSE LLP EIN 13-1840454 N/A | Legal Service code 29 | ELEVEN TIMES SQUARE NEW YORK, NY 10036 | $38K |
| LABORERS NATIONAL HEALTH AND SAFETY EIN 22-3110941 N/A | Consulting (general) Service code 16 | 18 CORPORATE WOODS ALBANY, NY 12211 | $36K |
| JOE MCCARTHY AND ASSOCIATES EIN 16-1125088 N/A | Accounting (including auditing) Service code 10 | 7738 OSWEGO ROAD LIVERPOOL, NY 13090 | $25K |
| EMPLOYEE RESOURCE INC EIN 16-1410179 N/A | Consulting (general) Service code 16 | 77 BROADWAY SUITE 100 BUFFALO, NY 14203 | $22K |
| LUMSDEN AND MCCORMICK LLP EIN 16-0765486 N/A | Accounting (including auditing) Service code 10 | CYCLORAMA BUILDING 369 FRANKLIN STREET BUFFALO, NY 14202 | $18K |
| M&T BANK EIN 16-6265706 N/A | Consulting (general) Service code 16 | ONE M AND T PLAZA BUFFALO, NY 14203 | $17K |
| 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 | $15K |
| PCA CONSULTING EIN 26-0022778 N/A | Consulting (general) Service code 16 | 303 CAYUGA ROAD SUITE 100 BUFFALO, NY 14225 | $7K |
| ANDCO CONSULTING EIN 59-3676225 N/A | Investment management Service code 28 | 4901 VINELAND ROAD SUITE 600 ORLANDO, FL 32811 | $7K |
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 | 668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 196 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 61 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 48 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 424 | $3.4M |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 609 | $86K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 424 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.