| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | EXCELLUS BLUECROSS BLUESHIELD | $123K | — | $123K | 2.04% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA GROUP INSURANCE | $11K | $570 | $12K | 10.41% |
| TITAN INSURANCE | 610 CLINTON SQUARE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $103 | — | $103 | 0.09% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $4K | $1K | $5K | 5.93% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA INSURANCE GROUP | $7K | $359 | $8K | 10.35% |
| TITAN INSURANCE | 610 CLINTON SQUARE ROCHESTER, NY 14604 | CIGNA INSURANCE GROUP | $100 | — | $100 | 0.13% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA GROUP INSURANCE | $909 | $45 | $954 | 10.35% |
| TITAN INSURANCE | 610 CLINTON SQUARE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $13 | — | $13 | 0.14% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $278 | $17 | $295 | 10.61% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP INC | — | GUARDIAN | $6 | — | $6 | 0.22% |
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 | 492 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 475 | $6.0M |
| Vision | GUARDIAN | 315 | $84K |
| Life insurance | CIGNA GROUP INSURANCE | 445 | $115K |
| Short-term disability | GUARDIAN | 25 | $3K |
| Long-term disability | CIGNA INSURANCE GROUP | 444 | $74K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 475 | $6.0M |
| Other | CIGNA GROUP INSURANCE | 445 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.