| 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 | $23K | — | $23K | 3.74% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $7K | $6K | $13K | 13.10% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | ONE NIAGARA SQUARE BUFFALO, NY 14202 | GUARDIAN | $59 | — | $59 | 0.06% |
| WL PUTNAM AGENCY INC.3 | 77 E 4TH STREET PO BOX 840 DUNKIRK, NY 14048 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 12.47% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD | 155 PINELAWN ROAD, SUITE 120S MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 4.98% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN ROAD, SUITE 120S MELVILLE, NY 11747 | FEDERAL INSURANCE COMPANY | $850 | — | $850 | 14.99% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 79 | $618K |
| Dental | GUARDIAN | 114 | $98K |
| Vision | GUARDIAN | 114 | $98K |
| Life insurance | GUARDIAN | 114 | $98K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 109 | $20K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 109 | $20K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 114 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.