| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | HEALTHNOW NEW YORK INC. | $60K | — | $60K | 2.18% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | HEALTHNOW NEW YORK INC. | $42K | — | $42K | 4.67% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $4K | $82K | 11.09% |
| LIAZON BENEFITS INC Filed as: LIAZON BENEFITS | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $37K | $37K | 5.00% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC. | 361 DELAWARE AVE BUFFALO, NY 14202 | VISION SERVICE PLAN | $2K | — | $2K | 4.31% |
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 | 662 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HEALTHNOW NEW YORK INC. | 377 | $3.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 662 | $737K |
| Vision | VISION SERVICE PLAN | 200 | $36K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 662 | $737K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 662 | $737K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 662 | $737K |
| Prescription drug(4 contracts) | HEALTHNOW NEW YORK INC. | 377 | $3.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 662 | $737K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.