| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANNER BENEFITS, LLC3 Filed as: THE VANNER GROUP, INC. | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | INDEPENDENT HEALTH | $210K | — | $210K | 3.08% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $12K | $13K | $25K | 3.28% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | EXCELLUS BLUE CROSS BLUE SHIELD | $29K | — | $29K | 4.00% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $11K | $7K | $17K | 8.24% |
| VANNER BENEFITS, LLC3 Filed as: THE VANNER GROUP, INC. | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | INDEPENDENT HEALTH | $2K | — | $2K | 2.95% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $3K | $7K | 11.24% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | BLUECROSS BLUESHIELD OF WNY | $1K | — | $1K | 2.84% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 19.59% |
| ALLIANCE ADVISORY GRP INC | 350 ESSJAY ROAD WILLIAMSVILLE, NY 14221 | GUARDIAN LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $1K | $1K | $2K | 11.53% |
| VANNER BENEFITS, LLC3 Filed as: THE VANNER GROUP, INC. | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | HARTFORD LIFE INSURANCE CO. | $2K | — | $2K | 8.12% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $630 | $3K | 19.35% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP INC | 350 ESSJAY ROAD WILLIAMSVILLE, NY 14221 | GUARDIAN LIFE INSURANCE COMPANY | $42 | — | $42 | 0.30% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | BLUECROSS BLUESHIELD OF WNY | $540 | — | $540 | 3.96% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $925 | $454 | $1K | 14.91% |
| ALLIANCE ADVISORY GRP INC | 350 ESSJAY ROAD WILLIAMSVILLE, NY 14221 | GUARDIAN LIFE INSURANCE COMPANY | $19 | — | $19 | 0.21% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $714 | $401 | $1K | 14.21% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP INC | 350 ESSJAY ROAD WILLIAMSVILLE, NY 14221 | GUARDIAN LIFE INSURANCE COMPANY | $41 | — | $41 | 0.52% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $241 | $77 | $318 | 17.15% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP INC | 350 ESSJAY ROAD WILLIAMSVILLE, NY 14221 | GUARDIAN LIFE INSURANCE COMPANY | $12 | — | $12 | 0.65% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | FIRST UNUM LIFE INSURANCE COMPANY | $10 | — | $10 | 15.87% |
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 | 6,994 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,006 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | INDEPENDENT HEALTH | 1,777 | $7.6M |
| Dental(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY | 1,020 | $757K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 581 | $59K |
| Life insurance(5 contracts, 3 carriers) | HARTFORD LIFE INSURANCE CO. | 59 | $43K |
| Short-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY | 3,137 | $233K |
| Long-term disability(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 90 | $56K |
| Prescription drug(3 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 73 | $790K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE INSURANCE CO. | 59 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,137 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.