| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN SMYTH3 | 110 LAMARCK DRIVE AMHERST, NY 14226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 5.00% |
| KEVIN SMYTH3 | 110 LAMARCK DRIVE AMHERST, NY 14226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 6.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| KEVIN SMYTH3 | 110 LAMARCK DRIVE AMHERST, NY 14226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| KEVIN SMYTH3 | 110 LAMARCK DRIVE AMHERST, NY 14226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| KEVIN SMYTH3 | 110 LAMARCK DRIVE AMHERST, NY 14226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.30% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HIGHMARK WESTERN NEW YORK | $135 | — | $135 | 0.70% |
| KEVIN SMYTH3 | 110 LAMARCK DRIVE AMHERST, NY 14226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $312 | — | $312 | 5.00% |
| KEVIN SMYTH3 | 110 LAMARCK DRIVE AMHERST, NY 14226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $57 | — | $57 | 4.96% |
| KEVIN SMYTH3 | 110 LAMARCK DRIVE AMHERST, NY 14226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 5.88% |
| KEVIN SMYTH3 | 110 LAMARCK DRIVE AMHERST, NY 14226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 8.33% |
| PETER NAYLON7 | 211 BRANTWOOD RD AMHERST, NY 14226 | CIGNA GROUP INSURANCE | $0 | — | $0 | — |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $125K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 343 | $212K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 196 | $26K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $143K |
| Other(7 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 308 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
No prospect flags tripped on this filing.