| 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 | $2K | — | $2K | 7.57% |
| HART AND KEENAN3 Filed as: HART & KEENAN AND CO INC | 500 BUFFALO RD EAST AURORA, NY 14052 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $782 | — | $782 | 3.25% |
| SDN INSURANCE AGENCY LLC3 | 6215 SHERIDAN DR AMHERST, NY 14221 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $655 | — | $655 | 2.72% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $339 | $339 | 1.41% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $331 | — | $331 | 6.98% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | — | $330 | $330 | 6.96% |
| PAUL ROBILLARD & ASSOC INC3 | 4536 MAIN STREET STE 100 AMHERST, NY 14226 | COMPANION LIFE INSURANCE COMPANY | $143 | — | $143 | 3.02% |
| NORTH WOODS CAPITAL BENEFITS LLC4 | 1231 DELAWARE AVE STE 201 BUFFALO, NY 14209 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $266 | — | $266 | 6.71% |
| HART AND KEENAN3 Filed as: HART & KEENAN AND CO INC | 500 BUFFALO RD EAST AURORA, NY 14052 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $190 | — | $190 | 4.79% |
| SDN INSURANCE AGENCY LLC3 | 6215 SHERIDAN DR AMHERST, NY 14221 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $89 | — | $89 | 2.24% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $76 | $76 | 1.92% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $51 | $53 | $104 | 14.27% |
| PAUL ROBILLARD & ASSOC INC3 | 4536 MAIN STREET STE 100 AMHERST, NY 14226 | MUTUAL OF OMAHA INSURANCE COMPANY | $22 | — | $22 | 3.02% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 210 | $9K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 90 | $24K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 210 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.