Form 5500 · Employee benefit plan · WILLIAMSVILLE, NY
INDEPENDENT HEALTH ASSOCIATION, INC.
INDEPENDENT HEALTH ASSOCIATION, INC. of WILLIAMSVILLE, NY is a 1,646-participant finance and insurance employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is AP BENEFIT ADVISORS LLC. Coverage is written through INDEPENDENT HEALTH BENEFITS CORPORATION and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 16-1080163 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 6 insured contracts covering health, vision, life and disability; the largest, with INDEPENDENT HEALTH BENEFITS CORPORATION, covers 1,362 people.
Reported premium across the insured contracts is $29,332,362, with $131,706 in disclosed broker commissions — about 0.4% of premium.
The health contract's policy period ended in December, while at least one ancillary line renews in June — the plan is on a split renewal cycle.
AP BENEFIT ADVISORS LLC is the broker of record on 4 of the 6 contracts; the rest name a different broker or none.
4 carriers appear on the filing — INDEPENDENT HEALTH BENEFITS CORPORATION, SUN LIFE AND HEALTH INSURANCE COMPANY, SUN LIFE ASSURANCE OF CANADA and SUN LIFE ASSURANCE COMPANY OF CANADA — with INDEPENDENT HEALTH BENEFITS CORPORATION writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE AND HEALTH INSURANCE COMPANY | Life, Disability | 1,467 | December | $1,042,699 | $104,283 |
| SUN LIFE AND HEALTH INSURANCE COMPANY | — | 1,484 | December | $571,995 | $15,179 |
| SUN LIFE AND HEALTH INSURANCE COMPANY | — | 382 | December | $120,872 | $12,087 |
| SUN LIFE ASSURANCE OF CANADA | — | 1 | June | $1,422 | $157 |
| INDEPENDENT HEALTH BENEFITS CORPORATION | Health, Vision | 1,362 | December | $27,595,268 | $0 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | — | 1 | April | $106 | $0 |
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