| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY AND ASSOCIATES INSURANCE | 3638 SENECA STREET WEST SENECA, NY 142243400 | INDEPENDENT HEALTH BENEFITS CORPORATION | $62K | $0 | $62K | 1.80% |
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY & ASSOCIATES | 3638 SENECA STREET WEST SENECA, NY 14224 | HIGHMARK NEW YORK | $9K | — | $9K | 7.21% |
| SUMMIT CONSULTANTS & ADVISORS1 | 6928 WILLIAMS ROAD NIAGARA FALLS, NY 14304 | GUARDIAN INSURANCE | $4K | — | $4K | 3.89% |
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY & ASSOCIATES INC | 3638 SENECA STREET WEST SENECA, NY 14224 | HIGHMARK WESTERN NEW YORK | $6K | — | $6K | 9.96% |
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY & ASSOCIATES INC | 3638 SENECA STREET WEST SENECA, NY 14224 | HIGHMARK WESTERN NEW YORK | $8K | — | $8K | 16.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THOMAS L PANEK EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $192K |
| TRACY BAUGHER EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $137K |
| JOANNE CHIAVETTA EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $92K |
| JULIE MURDOLA EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $90K |
| GORLICK, KRAVITZ & LISTHAUS ATTYS EIN 13-3790829 N/A | Legal Service code 29 | 29 BROADWAY 20TH FLOOR NEW YORK, NY 100063218 | $54K |
| EMILY BAUGHER EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE SUITE 200 CHEEKTOWAGA, NY 14227 | $53K |
| PROSKAUER ROSE LLP EIN 13-1840454 N/A | Legal Service code 29 | ELEVEN TIMES SQUARE NEW YORK, NY 10036 | $52K |
| JOE MCCARTHY AND ASSOCIATES EIN 16-1125088 N/A | Accounting (including auditing) Service code 10 | 7738 OSWEGO ROAD LIVERPOOL, NY 13090 | $44K |
| PCA CONSULTING EIN 26-0022778 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 303 CAYUGA ROAD BUFFALO, NY 14225 | $27K |
| 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 | 303 CAYUGA ROAD SUITE 100 BUFFALO, NY 14225 | $17K |
| EMPLOYEE RESOURCE INC EIN 16-1410179 N/A | Consulting (general) Service code 16 | 77 BROADWAY SUITE 100 BUFFALO, NY 14203 | $17K |
| 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 | $16K |
| ANDCO CONSULTING EIN 59-3676225 N/A | Investment advisory (plan) Service code 27 | 531 WEST MORSE BLVD WINTER PARK, FL 32789 | $9K |
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 | 648 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 404 | $3.6M |
| Life insurance | GUARDIAN INSURANCE | 528 | $103K |
| Prescription drug(4 contracts, 3 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 404 | $3.7M |
| Other | GUARDIAN INSURANCE | 528 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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.