| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | INDEPENDENT HEALTH | $260K | — | $260K | 3.12% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | EXCELLUS BLUE CROSS BLUE SHIELD | $34K | — | $34K | 3.97% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $12K | $19K | $31K | 3.74% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $6K | $6K | $11K | 12.13% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $3K | $7K | 8.57% |
| VANNER BENEFITS, LLC4 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $8K | $12K | 16.77% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | BLUECROSS BLUESHIELD OF WNY | $888 | — | $888 | 1.87% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.07% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY | $198 | — | $198 | 0.44% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $4K | $8K | 27.49% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.03% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 350 ESSJAY ROAD, SUIE 301 WILLIAMSVILLE, NY 14221 | GUARDIAN LIFE INSURANCE COMPANY | $56 | — | $56 | 0.29% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $1K | $1K | $3K | 15.09% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $892 | $3K | 18.30% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY | $90 | — | $90 | 0.54% |
| VANNER BENEFITS, LLC3 Filed as: THE VANNER GROUP, INC. | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | BLUECROSS BLUESHIELD OF WNY | $540 | — | $540 | 4.06% |
| VANNER BENEFITS, LLC3 Filed as: THE VANNER GROUP, INC. | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | HARTFORD LIFE AND ACCIDENT | $784 | — | $784 | 7.50% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $251 | $125 | $376 | 14.97% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 350 ESSJAY ROAD, SUIE 301 WILLIAMSVILLE, NY 14221 | GUARDIAN LIFE INSURANCE COMPANY | $5 | — | $5 | 0.20% |
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 | 6,294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH | 1,975 | $9.2M |
| Dental(3 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 1,322 | $1.7M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 776 | $94K |
| Life insurance(4 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 274 | $64K |
| Short-term disability(3 contracts) | GUARDIAN LIFE INSURANCE COMPANY | 883 | $194K |
| Long-term disability(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 193 | $59K |
| Prescription drug(3 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 77 | $930K |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 274 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,975 | — |
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.