| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE. BUFFALO, NY 14202 | UNIVERA | $13K | — | $13K | 4.49% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE. BUFFALO, NY 14202 | AIG BENEFIT SOLUTIONS | $40K | — | $40K | 14.00% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE. BUFFALO, NY 14202 | EMPLOYEE SERVICES, INC. | $1K | — | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Float revenue; Named fiduciary; Claims processing; Contract Administrator; Direct payment from the plan; Non-monetary compensation; Other services; Participant communication Service code 12 | 499 WASHINGTON BLVD. JERSEY CITY, NJ 07310 | $1.1M |
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 | 1,404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNIVERA | 15 | $336K |
| Vision | CIGNA | 2,452 | $142K |
| Prescription drug(2 contracts) | UNIVERA | 15 | $336K |
| Stop-loss / reinsurancereinsurance | AIG BENEFIT SOLUTIONS | 1,272 | $288K |
| Other | EMPLOYEE SERVICES, INC. | 1,404 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,452 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.