| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY & ASSOCIATES, INC. | 3638 SENECA STREET WEST SENECA, NY 14224 | HIGHMARK WESTERN NEW YORK | $27K | — | $27K | 2.50% |
| AEBLY AND ASSOCIATES INS SERVICE3 Filed as: AEBLY AND ASSOCIATES INSURANCE SERV | 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 | — | $65K |
| JOESEPH BARNASHUK EIN 13-3234213 EMPLOYEE | Employee (plan) Service code 30 | — | $51K |
| ARCARA LENDA EUSANIO & STACEY CPAS EIN 47-1793720 NONE | Accounting (including auditing) Service code 10 | — | $30K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $12K |
| MARINER INSTITUTIONAL, LLC EIN 59-3676225 NONE | Consulting (pension); Investment advisory (plan) Service code 17 | — | $11K |
| LIPSITZ GREEN SCIME & CAMBRIA EIN 16-0905097 NONE | Legal Service code 29 | — | $7K |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 320 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN NEW YORK | 273 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 174 | $40K |
| Prescription drug | HIGHMARK WESTERN NEW YORK | 273 | $1.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 174 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.