| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | EXCELLUS BLUE CROSS BLUE SHIELD | $48K | — | $48K | 4.12% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $26K | $29K | $55K | 4.79% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP | 350 ESSJAY ROAD, SUIE 301 WILLIAMSVILLE, NY 14221 | GUARDIAN LIFE INSURANCE COMPANY | $293 | — | $293 | 0.03% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $9K | $6K | $14K | 11.77% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 350 ESSJAY ROAD, SUIE 301 WILLIAMSVILLE, NY 14221 | GUARDIAN LIFE INSURANCE COMPANY | $62 | — | $62 | 0.05% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $3K | $7K | 10.98% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | INDEPENDENT HEALTH | $260K | — | $260K | — |
| VANNER BENEFITS, LLC3 Filed as: THE VANNER GROUP, INC. | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | BLUECROSS BLUESHIELD OF WNY | — | — | $0 | — |
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 | 5,303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 110 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 2,370 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 2,370 | $1.3M |
| Short-term disability(3 contracts) | GUARDIAN LIFE INSURANCE COMPANY | 2,370 | $1.3M |
| Long-term disability(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 2,370 | $1.3M |
| Prescription drug(3 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 110 | $1.2M |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 2,370 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,370 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.