| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY | 101 SOUTH SALINA ST 4TH FL SYRACUSE, NY 13202 | UNIVERA HEALTHCARE | $164K | — | $164K | 1.70% |
| 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 | — | $14K | $14K | 2.77% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $6K | $20K | 17.87% |
| THOMAS WARING JR3 | 6812A LAKE SHORE RD DERBY, NY 14047 | FIRST UNUM LIFE INSURANCE COMPANY | $310 | — | $310 | 2.28% |
| THOMAS E WEISS3 | 53 CROSBY RD AMHERST, NY 14226 | FIRST UNUM LIFE INSURANCE COMPANY | $266 | — | $266 | 1.96% |
| PRISELAC & ASSOCIATES3 Filed as: PRISELAC AND ASSOCIATES | MICHAEL RIZZO BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $161 | — | $161 | 1.18% |
| PETER CAMPO II3 | 75 SHERBURN DR HAMBURG, NY 14075 | FIRST UNUM LIFE INSURANCE COMPANY | $148 | — | $148 | 1.09% |
| WILLIAM WEISS3 | 6351 TRANSIT RD DEPEW, NY 14043 | FIRST UNUM LIFE INSURANCE COMPANY | $143 | — | $143 | 1.05% |
| WILLIAM WADSWORTH3 | 3 CHASE ROAD ORCHARD PARK, NY 14127 | FIRST UNUM LIFE INSURANCE COMPANY | $107 | — | $107 | 0.79% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICES | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $44 | — | $44 | 0.32% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER AND COON INC | 300S STATE ST STE 1000 SYRACUSE, NY 13202 | FIRST UNUM LIFE INSURANCE COMPANY | $38 | — | $38 | 0.28% |
| JERRY S MANN8 Filed as: JERRY MANN | C/O BMG OF WNY INC DEPEW, NY 14043 | FIRST UNUM LIFE INSURANCE COMPANY | $20 | — | $20 | 0.15% |
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 | 1,715 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTHCARE | 1,083 | $9.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,035 | $493K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,715 | $125K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,715 | $125K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,715 | $111K |
| Prescription drug | UNIVERA HEALTHCARE | 1,083 | $9.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,715 | — |
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.