| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M&T INSURANCE3 Filed as: M&T AGENCY | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | INDEPENDENT HEALTH | $107K | — | $107K | 1.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WNY INC | 200 JOHN JAMESS AUDUBON PKWY AMHERST, NY 14228 | EXCELLUS BLUECROSS BLUESHIELD | $24K | — | $24K | 3.40% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA NY | $12K | — | $12K | 12.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WNY INC | 200 JOHN JAMES AUDUBON PKWY AMHERST, NY 14228 | EXCELLUS BLUECROSS BLUESHIELD | $5K | — | $5K | 8.50% |
| PETER CAMPO II3 | 38 LAKE ST HAMBURG, NY 14075 | FIRST UNUM LIFE INSURANCE COMPANY | $838 | — | $838 | 4.16% |
| THOMAS WARING JR3 | 38 LAKE ST HAMBURG, NY 14075 | FIRST UNUM LIFE INSURANCE COMPANY | $607 | — | $607 | 3.01% |
| PRISELAC & ASSOCIATES3 | ATTN MICHAEL RIZZO BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $350 | — | $350 | 1.74% |
| WILLIAM WEISS3 Filed as: WILLIAM E WEISS | 6351 TRANSIT RD DEPEW, NY 14043 | FIRST UNUM LIFE INSURANCE COMPANY | $262 | — | $262 | 1.30% |
| WILLIAM WADSWORTH3 | PLANNED FUTURES FINANCIAL AMHERST, NY 14226 | FIRST UNUM LIFE INSURANCE COMPANY | $196 | — | $196 | 0.97% |
| THOMAS E WEISS3 | 300 CORPORATE PKWY AMHERST, NY 14226 | FIRST UNUM LIFE INSURANCE COMPANY | $186 | — | $186 | 0.92% |
| JERRY S MANN3 | C/O BMG OF WNY INC DEPEW, NY 14043 | FIRST UNUM LIFE INSURANCE COMPANY | $20 | — | $20 | 0.10% |
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 | 1,370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH | 1,821 | $8.0M |
| Dental(2 contracts, 2 carriers) | SECURITY HEALTH INSURANCE COMPANY OF AMERICA NY INC | 784 | $414K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA NY | 1,353 | $96K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 33 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,821 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.