| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY AND ASSOCIATES | 3638 SENECA STREET WEST SENECA, NY 14224 | INDEPENDENT HEALTH BENEFITS CORPORATION | $53K | — | $53K | 1.65% |
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY & ASSOCIATES INC | 3638 SENECA STREET WEST SENECA, NY 14224 | BLUE CROSS BLUE SHIELD OF WNY | $7K | — | $7K | 5.73% |
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY AND ASSOCIATES | 3638 SENECA STREET WEST SENECA, NY 14224 | BLUE CROSS BLUE SHIELD OF WNY | $11K | — | $11K | 9.60% |
| SUMMIT CONSULTANTS & ADVISORS1 Filed as: SUMMIT CONSULTANTS ADVISORS | 6928 WILLIAMS ROAD NIAGARA FALLS, NY 14304 | GUARDIAN INSURANCE | $5K | — | $5K | 4.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THOMAS L PANEK EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE, SUITE 200 CHEEKTOWAGA, NY 14227 | $185K |
| TRACY BAUGHER EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE, SUITE 200 CHEEKTOWAGA, NY 14227 | $129K |
| GORLICK, KRAVITZ & LISTHAUS ATTYS EIN 13-3790829 N/A | Legal Service code 29 | 29 BROADWAY 20TH FLOOR NEW YORK, NY 100063218 | $104K |
| JOANNE CHIAVETTA EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE, SUITE 200 CHEEKTOWAGA, NY 14227 | $86K |
| JULIE MURDOLA EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE, SUITE 200 CHEEKTOWAGA, NY 14227 | $85K |
| EMILY BAUGHER EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE, SUITE 200 CHEEKTOWAGA, NY 14227 | $54K |
| PROSKAUER ROSE LLP EIN 13-1840454 N/A | Legal Service code 29 | ELEVEN TIMES SQUARE NEW YORK, NY 10036 | $45K |
| JOE MCCARTHY AND ASSOCIATES EIN 16-1125088 N/A | Accounting (including auditing) Service code 10 | 7738 OSWEGO ROAD LIVERPOOL, NY 13090 | $35K |
| PCA CONSULTING EIN 26-0022778 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 303 CAYUGA ROAD SUITE 100 BUFFALO, NY 14225 | $22K |
| EMPLOYEE RESOURCE INC EIN 16-1410179 N/A | Consulting (general) Service code 16 | 77 BROADWAY SUITE 100 BUFFALO, NY 14203 | $22K |
| NOVA HEALTHCARE ADMINISTRATORS EIN 16-6443379 N/A | Claims processing Service code 12 | 6400 MAIN STREET SUITE 200 WILLIAMSVILLE, NY 14221 | $18K |
| 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 | $16K |
| LUMSDEN & MCCORMICK LLP EIN 16-0765486 N/A | Accounting (including auditing) Service code 10 | 369 FRANKLIN STREET BUFFALO, NY 14202 | $16K |
| M&T BANK EIN 16-6265706 N/A | Account maintenance fees Service code 65 | ONE M AND T PLAZA BUFFALO, NY 14203 | $14K |
| ANDCO CONSULTING EIN 59-3676225 N/A | Investment advisory (plan) Service code 27 | 531 WEST MORSE BLVD WINTER PARK, FL 32789 | $9K |
| DLB SYSTEMS ASSOCIATES EIN 95-4461995 N/A | Other fees Service code 99 | 400 MOUNTAIN SPRINGS DRIVE SANTA CRUZ, CA 95060 | $6K |
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 | 630 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 401 | $3.5M |
| Life insurance | GUARDIAN INSURANCE | 521 | $105K |
| Prescription drug(3 contracts, 2 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 401 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.