| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN R. CRIST Filed as: JOHN SCHWAB/NIAGARA NATIONAL | 5001 GENESEE STREET BUFFALO, NY 14225 | PROVIDENCE HEALTH PLAN | $23K | — | $23K | 1.35% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | HEALTHNOW NEW YORK INC | $19K | — | $19K | 1.08% |
| JOHN R. CRIST Filed as: JOHN SCHWAB/NIAGARA NATIONAL | 5001 GENESEE STREET BUFFALO, NY 14225 | PROVIDENCE HEALTH PLAN | $15K | — | $15K | 1.39% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | GUARDIAN | $36K | $12K | $48K | 7.93% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL | — | BLUECROSS BLUESHIELD OF ILLINOIS | $19K | $264 | $19K | 4.32% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | HEALTH NET | $7K | — | $7K | 4.00% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | GUARDIAN | $18K | $7K | $24K | 14.75% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL INC | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | GUARDIAN | $12K | — | $12K | 7.77% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP INC | 350 ESSJAY ROAD WILLIAMSVILLE, NY 14221 | GUARDIAN | $812 | — | $812 | 0.54% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | GUARDIAN | $10K | $5K | $15K | 13.31% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP, INC | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $123 | — | $123 | 0.11% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP | 350 ESSJAY ROAD WILLIAMSVILLE, NY 14221 | GUARDIAN | $72 | — | $72 | 0.06% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | GUARDIAN | $12K | $5K | $16K | 16.69% |
| NIAGARA NATIONAL INC.3 Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET BUFFALO, NY 14225 | THE STANDARD | $9K | — | $9K | 10.60% |
| JOHN J CASSANO3 | 2718 BAINBRIDGE BLVD. WEST CHICAGO, IL 60185 | THE STANDARD | $3K | — | $3K | 3.22% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL INC | 5001 GENESEE STREET BUFFALO, NY 14225 | LIFE MAP | $6K | $0 | $6K | 10.36% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | HEALTHNOW NEW YORK INC | $1K | — | $1K | 3.11% |
| NIAGARA NATIONAL INC.3 Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET BUFFALO, NY 14225 | PRINCIPAL FINANCIAL GROUP | $3K | — | $3K | 8.61% |
| NIAGARA NATIONAL INC.3 Filed as: NIAGARA NATIONAL INC | 5001 GENESEE STREET BUFFALO, NY 14225 | LIFE MAP | $5K | — | $5K | 15.78% |
| NIAGARA NATIONAL INC.3 Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | SAFEGUARD HEALTH PLANS, INC A FLORIDA CORPORATION | $3K | — | $3K | 15.25% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL INC | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | GUARDIAN | $6K | $5K | $11K | 76.56% |
| NIAGARA NATIONAL INC.3 Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | VISION SERVICE PLAN | $863 | — | $863 | 6.55% |
No Schedule C service providers reported on this filing.
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 | 1,316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | HEALTHNOW NEW YORK INC. | 441 | $7.5M |
| Dental(7 contracts, 6 carriers) | HEALTH NET | 116 | $651K |
| Vision(7 contracts, 4 carriers) | GUARDIAN | 486 | $1.2M |
| Life insurance(9 contracts, 4 carriers) | GUARDIAN | 486 | $1.3M |
| Short-term disability(9 contracts, 4 carriers) | GUARDIAN | 486 | $1.2M |
| Long-term disability(8 contracts, 4 carriers) | GUARDIAN | 486 | $1.3M |
| Prescription drug | HEALTHNOW NEW YORK INC | 7 | $40K |
| Other(4 contracts) | GUARDIAN | 486 | $971K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.