| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET, SUITE 618 BUFFALO, NY 14210 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 7.48% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 2.99% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE, PO BOX 1040 MERIDEN, CT 06450 | GUARDIAN | $2K | $1K | $3K | 10.02% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $478 | — | $478 | 1.62% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP INC. | — | GUARDIAN | $2 | — | $2 | 0.01% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 62 | $30K |
| Vision | GUARDIAN | 62 | $30K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 139 | $70K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 139 | $70K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 139 | $70K |
| Other | HARTFORD LIFE AND ACCIDENT | 139 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.