| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVANS BANCORP, INC.3 | 16 N. MAIN ST. ANGOLA, NY 14006 | INDEPENDENT HEALTH BENEFITS CORPORATION | $43K | $0 | $43K | 1.95% |
| HEALTHNOW ADMINISTRATIVE SERVICES5 | 801 LAKEVIEW DR. BLUE BELL, PA 19422 | HEALTHNOW ADMINISTRATIVE SERVICES | — | $15K | $15K | 4.76% |
| R.L. EVANS COMPANY, INC.3 Filed as: THE EVANS AGENCY LLC | 6460 MAIN STREET WILLIAMSVILLE, NY 142215838 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 3.68% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH BENEFITS CORPORATION | 255 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 271 | $181K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 271 | $181K |
| Other | HEALTHNOW ADMINISTRATIVE SERVICES | 332 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.