| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL ROBILLARD & ASSOC INC3 | 4536 MAIN STREET STE 100 AMHERST, NY 14226 | COMPANION LIFE INSURANCE COMPANY | $490 | — | $490 | 10.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP INC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $272 | — | $272 | 5.60% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DRIVE AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $191 | $21 | $212 | 4.36% |
| AMY E COHEN3 Filed as: AMY SELAK | 6901 WALMORE ROAD NIAGARA FALLS, NY 14304 | THE PAUL REVERE LIFE INSURANCE COMPANY | $192 | $6 | $198 | 4.07% |
| ALAN JUSTIN | 5165 BROADWAY DEPEW, NY 14043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.56% |
| DAVID J ROBERTS3 | 167 NEVINS ROAD HENRIETTA, NY 14467 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.35% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP INC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $297 | — | $297 | 6.51% |
| AMY E COHEN3 Filed as: AMY SELAK | 6901 WALMORE ROAD NIAGARA FALLS, NY 14304 | THE PAUL REVERE LIFE INSURANCE COMPANY | $266 | $7 | $273 | 5.98% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DRIVE AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $220 | $27 | $247 | 5.41% |
| ALAN JUSTIN3 | 5165 BROADWAY DEPEW, NY 14043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.39% |
| DAVID J ROBERTS3 | 167 NEVINS ROAD HENRIETTA, NY 14467 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.13% |
| PAUL ROBILLARD & ASSOC INC3 | 4536 MAIN STREET STE 100 AMHERST, NY 14226 | MUTUAL OF OMAHA INSURANCE COMPANY | $82 | — | $82 | 10.05% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DRIVE AMHERST, NY 14226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 2.48% |
| AMY E COHEN3 Filed as: AMY SELAK | 6901 WALMORE ROAD NIAGARA FALLS, NY 14304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.99% |
| ALAN JUSTIN3 | 5165 BROADWAY DEPEW, NY 14043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.83% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DRIVE AMHERST, NY 14226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 2.51% |
| ALAN JUSTIN3 | 5165 BROADWAY DEPEW, NY 14043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 1.01% |
| AMY E COHEN3 Filed as: AMY SELAK | 6901 WALMORE ROAD NIAGARA FALLS, NY 14304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 1.01% |
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 | 267 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(5 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 267 | $15K |
| Other(3 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 1 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.