| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY & ASSOCIATES INS SVCS INC | 1471 UNION ROAD WEST SENECA, NY 14224 | INDEPENDENT HEALTH BENEFITS CORPORATION | $63K | — | $63K | 1.59% |
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY & ASSOCIATES INS SVCS INC | 1471 UNION ROAD WEST SENECA, NY 14224 | HIGHMARK NEW YORK | $18K | — | $18K | 7.82% |
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY & ASSOCIATES INS SVCS INC | 1471 UNION ROAD WEST SENECA, NY 14304 | GUARDIAN INSURANCE | $4K | $0 | $4K | 3.51% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN INSURANCE | $20 | $0 | $20 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRACY BAUGHER EIN 16-0806902 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $138K |
| JOANNE CHIAVETTA EIN 16-0806902 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $66K |
| EMILY BAUGHER EIN 16-0806902 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $65K |
| JULIE MURDOLA EIN 16-0806902 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $64K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $63K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $42K |
| JOSEPH MCCARTHY AND ASSOCIATES EIN 16-1125088 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $34K |
| GORLICK KRAVITZ & LISTHAUS PC EIN 13-3790829 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $34K |
| ARCARA LENDA EUSANIO & STACEY, CPA EIN 47-1793720 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $31K |
| JBM COMPUTER CONSULTANTS EIN 16-1173118 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $23K |
| LUMSDEN & MCCORMICK, LLP EIN 16-0765486 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $19K |
| NETRIO EIN 26-0022778 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $18K |
| NOVA HEALTHCARE ADMINISTRATORS INC EIN 16-6443379 NONE | Direct payment from the plan Service code 50 | — | $18K |
| M&T BANK EIN 16-6265706 NONE | Direct payment from the plan; Account maintenance fees Service code 50 | — | $16K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $11K |
| MARINER INSTITUTIONAL, LLC EIN 59-3676225 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $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 | 737 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 124 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 390 | $4.2M |
| Dental | HIGHMARK NEW YORK | 119 | $225K |
| Vision | HIGHMARK NEW YORK | 119 | $225K |
| Life insurance | GUARDIAN INSURANCE | 579 | $115K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 390 | $4.2M |
| Other | GUARDIAN INSURANCE | 579 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.