| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH WOODS CAPITAL BENEFITS LLC3 | 1231 DELAWARE AVE STE 201 BUFFALO, NY 14209 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 12.88% |
| PAUL ROBILLARD & ASSOC INC3 | 4536 MAIN STREET STE 100 AMHERST, NY 14226 | COMPANION LIFE INSURANCE COMPANY | $494 | — | $494 | 9.99% |
| NORTH WOODS CAPITAL BENEFITS LLC3 | 1231 DELAWARE AVE STE 201 BUFFALO, NY 14209 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $437 | — | $437 | 13.59% |
| PAUL ROBILLARD & ASSOC INC3 | 4536 MAIN STREET STE 100 AMHERST, NY 14226 | MUTUAL OF OMAHA INSURANCE COMPANY | $82 | — | $82 | 9.95% |
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 | 206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 206 | $9K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 91 | $22K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 206 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.