| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN ST. WILLIAMSVILLE, NY 14221 | INDEPENDENT HEALTH BENEFITS CORPORATION | $30K | $0 | $30K | 1.40% |
| EVANS BANCORP, INC.3 | 1 GRIMSBY DR. HAMBURG, NY 14075 | INDEPENDENT HEALTH BENEFITS CORPORATION | $15K | $0 | $15K | 0.70% |
| HEALTHNOW ADMINISTRATIVE SERVICES5 Filed as: HEALTHNOW ADMINISTRATIVE SERICES | 801 LAKEVIEW DR. BLUE BELL, PA 19422 | HEALTHNOW ADMINISTRATIVE SERVICES | — | $16K | $16K | 6.11% |
| R.L. EVANS COMPANY, INC.3 Filed as: THE EVANS GROUP, LLC | 64640 MAIN STREET WILLIAMSVILLE, NY 14221 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.59% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN ST. WILLIAMSVILLE, NY 14221 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.48% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH BENEFITS CORPORATION | 257 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $183K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $183K |
| Other | HEALTHNOW ADMINISTRATIVE SERVICES | 226 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.