| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING ASSOCIATES LLC3 | 1416 SWEET HOME RD. STE.5 6 BUFFALO, NY 14228 | HM LIFE INSURANCE COMPANY OF NEW YORK | $84K | — | $84K | 15.14% |
| PREMIER CONSULTING ASSOCIATES LLC | 1416 SWEET HOME RD. STE.5 6 BUFFALO, NY 14228 | INDEPENDENT HEALTH BENEFITS CORPORATION | — | — | $0 | 0.00% |
| PREMIER CONSULTING ASSOCIATES LLC | 1416 SWEET HOME RD. STE.5 6 BUFFALO, NY 14228 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $1K | — | $1K | 3.94% |
| PREMIER CONSULTING ASSOCIATES LLC3 | 1416 SWEET HOME RD. STE.5 6 BUFFALO, NY 14228 | HARTFORD LIFE INSURANCE CO. | $2K | — | $2K | 10.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIAM OCHOCINSKI EMPLOYEE | Employee (plan) Service code 30 | — | $64K |
| JAMES SWIENCICKI DDS EIN 16-1255686 NONE | Other services Service code 49 | — | $55K |
| MICHELLE OCHOCINSKI EMPLOYEE | Employee (plan) Service code 30 | — | $26K |
| EFPR GROUP, CPAS, PLLC EIN 47-4526160 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| RAYMOND MORGAN EMPLOYEE | Employee (plan) Service code 30 | — | $16K |
| FEDERATED PENSION BUREAU EIN 13-1787563 NONE | Actuarial Service code 11 | — | $16K |
| CAMBRIDGE ADVISORS EIN 16-1543527 NONE | Investment advisory (plan) Service code 27 | 6225 SHERIDAN DR. BUFFALO, NY 14221 | $14K |
| SOFTPATH, INC. EIN 16-1502471 NONE | Consulting (general) Service code 16 | — | $10K |
| AMERITRADE NONE | Plan Administrator Service code 14 | — | $8K |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 118 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 2 | $33K |
| Dental | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 52 | $125K |
| Life insurance | HARTFORD LIFE INSURANCE CO. | 103 | $20K |
| Prescription drug(3 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 52 | $180K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY OF NEW YORK | 318 | $555K |
| Other | HARTFORD LIFE INSURANCE CO. | 103 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.