| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | $17K | — | $17K | 2.81% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING | 260 E MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | $5K | — | $5K | 0.86% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $641 | $3K | 8.50% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING | 260 E MAIN ST SUITE 2400 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $287 | — | $287 | 0.82% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $268 | $2K | 7.90% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING | 260 E MAIIN ST SUITE 2400 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $261 | — | $261 | 1.01% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE SUITE 2400 BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $309 | $2K | 13.13% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING | 260 E MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $535 | — | $535 | 3.20% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $218 | $1K | 11.05% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $265 | — | $265 | 2.23% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING | 260E MAIN ST SUITE 2400 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $261 | $89 | $350 | 9.65% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $274 | — | $274 | 7.55% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | 56 | $596K |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 58 | $26K |
| Vision | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 58 | $4K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 155 | $12K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 156 | $35K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 155 | $17K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | 56 | $596K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 155 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.