| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 13.17% |
| EMERSON REID LLC3 | 1787 SENTRY PLWY. W. STE. 320 BLUE BELL, PA 19422 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 5.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.88% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 8.44% |
| EMERSON REID LLC3 | 1787 SENTRY PLWY. W. STE. 320 BLUE BELL, PA 19422 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $958 | — | $958 | 3.70% |
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 | 227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 285 | $27K |
| Short-term disability(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 247 | $52K |
| Long-term disability | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 285 | $27K |
| Other(3 contracts, 2 carriers) | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 285 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.