| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | INDEPENDENT HEALTH | $29K | — | $29K | 3.85% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $7K | $5K | $12K | 11.51% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | ONE NIAGARA SQUARE BUFFALO, NY 14202 | GUARDIAN | $62 | — | $62 | 0.06% |
| WL PUTNAM AGENCY INC.3 | 77 E 4TH STREET PO BOX 840 DUNKIRK, NY 14048 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 12.80% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD | 555 BROADHOLLOW ROAD, SUITE 271 MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $898 | — | $898 | 4.98% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 84 | $759K |
| Dental | GUARDIAN | 113 | $102K |
| Life insurance | GUARDIAN | 113 | $102K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 109 | $18K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 109 | $18K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 113 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.