| 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 NEW YORK | $63K | — | $63K | 2.43% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 142021622 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $27K | $27K | 3.82% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS BENEFITS GROUP, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 5.23% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS BENEFITS GROUP, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 9.80% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS BENEFITS GROUP, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 11.15% |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK WESTERN NEW YORK | 500 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 537 | $250K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 537 | $250K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $88K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $96K |
| Prescription drug | HIGHMARK WESTERN NEW YORK | 500 | $2.6M |
| Stop-loss / reinsurancereinsurance | HIGHMARK WESTERN NEW YORK | 500 | $2.6M |
| Other(2 contracts, 2 carriers) | HIGHMARK WESTERN NEW YORK | 500 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.