| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $11K | $19K | 7.35% |
| DAILYFEATS INC.3 | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 6.50% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $9K | $26K | 14.31% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $234 | — | $234 | 12.02% |
| EMERSON REID LLC3 | THE EMPIRE STATE BUILDING 350 FIFTH AVE. SUITE 3700 NEW YORK, NY 10018 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $98 | — | $98 | 5.04% |
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 | 395 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH BENEFITS CORPORATION | 368 | $3.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $255K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $255K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 445 | $183K |
| Other | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 0 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.