| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL ROBILLARD & ASSOC INC3 Filed as: PAUL ROBILLARD & ASSOC INC. | 4536 MAIN ST STE 100 AMHERST, NY 14226 | COMPANION LIFE INSURANCE COMPANY | $922 | — | $922 | 9.99% |
| PAUL ROBILLARD & ASSOC INC3 Filed as: PAUL ROBILLARD & ASSOC INC. | 4536 MAIN ST STE 100 AMHERST, NY 14226 | MUTUAL OF OMAHA INSURANCE COMPANY | $98 | — | $98 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOHN FADELEY EIN 16-6023926 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| ARCARA LENDA EUSANIO & STACEY CPAS EIN 47-1793720 NONE | Accounting (including auditing) Service code 10 | — | $33K |
| BLITMAN & KING LLP EIN 16-1047304 NONE | Legal Service code 29 | — | $23K |
| USI CG EIN 06-1053228 NONE | Actuarial Service code 11 | — | $5K |
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 | 68 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 63 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNIVERA HEALTHCARE | 187 | $1.4M |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 67 | $9K |
| Prescription drug(3 contracts, 2 carriers) | UNIVERA HEALTHCARE | 187 | $1.4M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 67 | $979 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.