| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14208 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $11K | $18K | 7.07% |
| DAILYFEATS INC.3 | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.02% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 16.49% |
| EMERSON REID LLC3 | 167 ARCHER RD FACTORYVILLE, PA 18419 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.22% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $474 | — | $474 | 9.92% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO., INC | ATTN STEVE AUSTIN 292 MADISON AVE., 5TH FL NEW YORK, NY 10017 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $339 | — | $339 | 7.09% |
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 | 406 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH BENEFITS CORPORATION | 382 | $3.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 356 | $249K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 356 | $249K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 406 | $77K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 46 | $109K |
| Other | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 53 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.