| 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 | $168K | — | $168K | 2.62% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | EXCELLUS BLUE CROSS BLUE SHIELD | $34K | — | $34K | 3.91% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $12K | $18K | $31K | 3.99% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $8K | $10K | $17K | 11.00% |
| VANNER BENEFITS, LLC3 Filed as: THE VANNER GROUP, INC. | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | INDEPENDENT HEALTH | $6K | — | $6K | 4.00% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $5K | $10K | 13.17% |
| 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 | BLUECROSS BLUESHIELD OF WNY | $1K | — | $1K | 2.09% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $683 | $6K | 10.80% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY | $121 | — | $121 | 0.23% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $503 | $3K | 8.54% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.87% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY | $51 | — | $51 | 0.30% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 21.27% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY | $45 | — | $45 | 0.29% |
| VANNER BENEFITS, LLC3 Filed as: THE VANNER GROUP, INC. | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 6.73% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $1K | $391 | $2K | 13.33% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY | $23 | — | $23 | 0.20% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | BLUECROSS BLUESHIELD OF WNY | $585 | — | $585 | 5.23% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $637 | $555 | $1K | 18.73% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY | $13 | — | $13 | 0.20% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $416 | $81 | $497 | 15.53% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY | $8 | — | $8 | 0.25% |
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 | 6,193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | INDEPENDENT HEALTH | 1,791 | $7.5M |
| Dental(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY | 1,147 | $771K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 684 | $75K |
| Life insurance(4 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 239 | $46K |
| Short-term disability(3 contracts) | GUARDIAN LIFE INSURANCE COMPANY | 1,149 | $215K |
| Long-term disability(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 170 | $82K |
| Prescription drug(3 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 85 | $935K |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 239 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,791 | — |
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.