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 | $209K |
| TRACY BAUGHER EIN 16-0806902 | Employee (plan) Service code 30 | 25 TYROL DRIVE, SUITE 200 CHEEKTOWAGA, NY 14227 | $152K |
| JOANNE CHIAVETTA EIN 16-0806902 EMPLOYEE | Employee (plan) Service code 30 | 25 TYROL DRIVE, SUITE 200 CHEEKTOWAGA, NY 14227 | $95K |
| EMILY BAUGHER 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, KRAVITS & LISTHAUS ATTYS EIN 13-3790829 N/A | Legal Service code 29 | 29 BROADWAY, 20TH FLOOR NEW YORK, NY 100063218 | $54K |
| JOSEPH MCCARTHY AND ASSOCIATES EIN 16-1125088 N/A | Accounting (including auditing) Service code 10 | 7738 OSWEGO ROAD LIVERPOOL, NY 13090 | $47K |
| 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 | $42K |
| PROSKAUER ROSE LLP EIN 13-1840454 N/A | Legal Service code 29 | ELEVEN TIMES SQUARE NEW YORK, NY 10036 | $39K |
| 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 | $33K |
| CHILD AND FAMILY SERVICES OF ERIE C EIN 16-1004825 N/A | Consulting (general) Service code 16 | 330 DELAWARE AVENUE BUFFALO, NY 14202 | $21K |
| NOVA HEALTHCARE ADMINISTRATORS EIN 16-6443379 N/A | Claims processing Service code 12 | 6400 MAIN STREET, SUITE 200 WILLIAMSVILLE, NY 14221 | $18K |
| LUMSDEN & MCCORMICK, LLP EIN 16-0765486 N/A | Accounting (including auditing) Service code 10 | 369 FRANKLIN STREET BUFFALO, NY 14202 | $17K |
| M&T BANK EIN 16-6265706 N/A | Account maintenance fees Service code 65 | ONE M AND T PLAZA BUFFALO, NY 14203 | $16K |
| MARINER WEALTH MANAGEMENT EIN 59-3676225 N/A | Investment advisory (plan) Service code 27 | 531 WEST MORSE BLVD WINTER PARK, FL 32789 | $11K |
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 | 650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 115 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 387 | $4.2M |
| Dental | HIGHMARK WESTERN NEW YORK | 125 | $249K |
| Vision | HIGHMARK WESTERN NEW YORK | 125 | $249K |
| Life insurance | GUARDIAN INSURANCE | 542 | $104K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 387 | $4.2M |
| Other | GUARDIAN INSURANCE | 542 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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 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.