| 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 | $32K | — | $32K | 4.34% |
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY & ASSOCIATES, INC. | 3638 SENECA STREET WEST SENECA, NY 14224 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $5K | — | $5K | 5.55% |
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY & ASSOCIATES, INC. | 3638 SENECA STREET WEST SENECA, NY 14224 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $5K | — | $5K | 8.49% |
| WALSH JONES AGENCY INC3 | 3638 SENECA ST WEST SENECA, NY 14224 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TAMMI HABERMEHL EIN 13-3234213 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| JOSEPH BARNASHUK EIN 13-3234213 EMPLOYEE | Employee (plan) Service code 30 | — | $48K |
| ARCARA ZUCARELLI LENDA & ASSOC. EIN 47-1793720 NONE | Accounting (including auditing) Service code 10 | — | $29K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $13K |
| ANDCO CONSULTING,LLC EIN 59-3676225 NONE | Investment advisory (plan) Service code 27 | — | $11K |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 285 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 190 | $41K |
| Prescription drug(3 contracts, 2 carriers) | UNIVERA HEALTHCARE | 142 | $877K |
| Other | HARTFORD LIFE AND ACCIDENT | 190 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.