| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | HEALTHNOW NEW YORK INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $229K | — | $229K | 2.64% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $12K | $19K | $31K | 3.96% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | EXCELLUS BLUE CROSS BLUE SHIELD | $24K | — | $24K | 3.93% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $11K | $9K | $20K | 9.31% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14202 | HEALTHNOW NEW YORK INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $2K | — | $2K | 2.51% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 12.76% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | UNIVERA HEALTHCARE | $2K | — | $2K | 4.50% |
| VANNER BENEFITS, LLC3 Filed as: THE VANNER GROUP, INC. | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | HARTFORD LIFE INSURANCE CO. | $1K | — | $1K | 7.50% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $216 | $2K | 16.64% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $767 | $3K | 21.22% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP, INC | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY | $37 | — | $37 | 0.30% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $1K | $721 | $2K | 16.79% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP, INC | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY | $21 | — | $21 | 0.20% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $1K | $153 | $1K | 11.41% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14202 | HEALTHNOW NEW YORK INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $176 | — | $176 | 1.80% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | FIRST UNUM LIFE INSURANCE COMPANY | $127 | — | $127 | 10.00% |
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 | 7,827 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 73 | $666K |
| Dental(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY | 1,071 | $792K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 496 | $48K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE INSURANCE CO. | 57 | $32K |
| Short-term disability(3 contracts) | GUARDIAN LIFE INSURANCE COMPANY | 3,782 | $232K |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE INSURANCE CO. | 148 | $44K |
| Prescription drug(5 contracts, 3 carriers) | HEALTHNOW NEW YORK INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1,957 | $9.4M |
| Other(3 contracts, 3 carriers) | HEALTHNOW NEW YORK INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1,957 | $8.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,782 | — |
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.