| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 101 SOUTH SALINA 4TH FLOOR SYRACUSE, NY 13202 | UNIVERA HEALTHCARE | $158K | — | $158K | 1.74% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 2.75% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $6K | $19K | 17.92% |
| THOMAS WARING JR3 | 38 LAKE STREET HAMBURGH, NY 14075 | FIRST UNUM LIFE INSURANCE COMPANY | $443 | — | $443 | 2.52% |
| PETER CAMPO II3 | 38 LAKE STREET HAMBURG, NY 14075 | FIRST UNUM LIFE INSURANCE COMPANY | $364 | — | $364 | 2.07% |
| THOMAS E WEISS3 | 53 CROSBY BLVD AMHERST, NY 14226 | FIRST UNUM LIFE INSURANCE COMPANY | $243 | — | $243 | 1.38% |
| PRISELAC & ASSOCIATES3 | 17 COURT STREET BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $186 | — | $186 | 1.06% |
| WILLIAM WEISS3 Filed as: WILLIAM J WEISS | 6351 TRANSIT ROAD DEPEW, NY 14043 | FIRST UNUM LIFE INSURANCE COMPANY | $168 | — | $168 | 0.96% |
| WILLIAM WADSWORTH3 | 871 DELAWARE AVE APT 17 BUFFALO, NY 14209 | FIRST UNUM LIFE INSURANCE COMPANY | $123 | — | $123 | 0.70% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC | 231 SALINA MEADOWS PKWY SYRACUSE, NY 13221 | FIRST UNUM LIFE INSURANCE COMPANY | $34 | — | $34 | 0.19% |
| JERRY S MANN3 | C/O BMG OF WNY INC DEPEW, NY 14043 | FIRST UNUM LIFE INSURANCE COMPANY | $20 | — | $20 | 0.11% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICES | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $11 | — | $11 | 0.06% |
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 | 1,566 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTHCARE | 1,042 | $9.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 987 | $422K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,566 | $121K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,566 | $121K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,566 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,566 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.