| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY AND ASSOC. INSURANCE SRVS INC | 3638 SENECA ST WEST SENECA, NY 14224 | UNIVERA HEALTHCARE | $36K | — | $36K | 4.28% |
| WALSH BENEFITS3 Filed as: THE WALSH GROUP | 3638 SENECA STREET WEST SENECA, NY 14224 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $3K | — | $3K | 2.67% |
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY & ASSOCIATES | 3638 SENECA STREET WEST SENECA, NY 14224 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $2K | — | $2K | 2.55% |
| WALSH JONES AGENCY INC3 | 3638 SENECA ST WEST SENECA, NY 14224 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 15.00% |
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY & ASSOCIATES | 3638 SENECA STREET WEST SENECA, NY 14224 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $2K | — | $2K | 3.97% |
| WALSH BENEFITS3 Filed as: THE WALSH GROUP | 3638 SENECA STREET WEST SENECA, NY 14224 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $2K | — | $2K | 3.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TAMMI HABERMEHL EIN 13-3234213 EMPLOYEE | Employee (plan) Service code 30 | — | $54K |
| JOSEPH BARNASHUK EIN 13-3234213 EMPLOYEE | Employee (plan) Service code 30 | — | $43K |
| ARCARA ZUCARELLI LENDA & ASSOC. EIN 47-1793720 NONE | Accounting (including auditing) Service code 10 | — | $31K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $13K |
| LIPSITZ GREEN SCIME & CAMBRIA EIN 16-0905097 NONE | Legal Service code 29 | — | $12K |
| ANDCO CONSULTING,LLC EIN 59-3676225 NONE | Investment advisory (plan) Service code 27 | — | $10K |
| M&T BANK EIN 16-0538020 NONE | Other investment fees and expenses; Custodial (securities) Service code 19 | — | $4K |
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 | 402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 202 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 207 | $45K |
| Prescription drug(3 contracts, 2 carriers) | UNIVERA HEALTHCARE | 180 | $986K |
| Other | HARTFORD LIFE AND ACCIDENT | 207 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.