| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVANS BANCORP, INC.3 | 16 N. MAIN STREET ANGOLA, NY 14006 | INDEPENDENT HEALTH BENEFITS CORPORATION | $41K | — | $41K | 1.96% |
| BROKERAGE CONCEPTS INC5 Filed as: BROKERAGE CONCEPTS, INC. | 801 LAKEVIEW DR BLUE BELL, PA 19422 | HEALTHNOW ADMINISTRATIVE SERVICES | — | $15K | $15K | 3.99% |
| R.L. EVANS COMPANY, INC.3 Filed as: THE EVANS AGENCY LLC | 1 GRIMSBY DRIVE HAMBURG, NY 140753764 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $26 | $8K | 3.77% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH BENEFITS CORPORATION | 287 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 646 | $206K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 646 | $206K |
| Other | HEALTHNOW ADMINISTRATIVE SERVICES | 353 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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.