| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | — | $7K | 4.43% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $522 | $3K | 5.41% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE. BUFFALO, NY 14202 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $386 | $2K | 5.40% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $373 | — | $373 | 1.25% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC | 726 EXCHANGE STREET BUFFALO, NY 14210 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $119 | — | $119 | 0.40% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $788 | — | $788 | 3.47% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC | 726 EXCHANGE STREET BUFFALO, NY 14210 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $227 | — | $227 | 1.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $359 | — | $359 | 12.01% |
| BANYAN CONSULTING A DIVI3 | 126 NORTH SALINA STREET SYRACUSE, NY 13202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $89 | — | $89 | 2.98% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE HARTFORD FINANCIAL SERVICES GROUP | $113 | — | $113 | 15.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY, INC. | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | INDEPENDENT HEALTH | — | — | $0 | — |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MGMT INC | 726 EXCHANGE ST, STE 900 BUFFALO, NY 14210 | NOVA HEALTHCARE ADMINISTRATORS | — | $17 | $17 | — |
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 | 1,346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 1,346 | $0 |
| Dental | NOVA HEALTHCARE ADMINISTRATORS | 25 | $0 |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,044 | $83K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,117 | $150K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 195 | $59K |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,044 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,346 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.