| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBILLARD PAUL & ASSOCIATES INC Filed as: ROBILLARD PAUL & ASSOCIATE IN | 4536 MAIN ST AMHERST, NY 14226 | GUARDIAN | $9K | — | $9K | 5.84% |
| MICHAEL A AURICCHIO INC | 3800 SENECA STREET W SENECA, NY 14224 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 4.07% |
| MARSHAL DARRAH INC Filed as: MARSHAL & FLYNN INSURANCE | — | ESI GROUP | $39 | — | $39 | 3.15% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY INSURANCE | 361 DELAWARE AVE BUFFALO, NY 14202 | ESI GROUP | $23 | — | $23 | 1.85% |
| MARSHALL & STERLING EMPLOYEE BENEFI Filed as: MARSHALL & FLYNN | — | ESI GROUP | $39 | — | $39 | 3.15% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY INSURANCE | 361 DELAWARE AVE BUFFALO, NY 14202 | ESI GROUP | $26 | — | $26 | 2.10% |
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 | 461 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GUARDIAN | 457 | $148K |
| Life insurance | GUARDIAN | 457 | $148K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 997 | $119K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 457 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 997 | — |
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.