| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 4.17% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 3.92% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $4K | $10K | 8.30% |
| LAWLEY BENEFITS GROUP LLC4 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $4K | $8K | 7.53% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $1K | $457 | $1K | 14.48% |
| ALLIANCE ADVISORY GRP INC3 | — | GUARDIAN | $20 | — | $20 | 0.20% |
| LAWLEY BENEFITS GROUP LLC4 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 142021622 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $884 | — | $884 | 11.99% |
| A SECURE YOU INC6 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $413 | — | $413 | 5.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK WESTERN NEW YORK EIN 16-1105741 HEALTH CARE PROVIDER | Other fees Service code 99 | ONE SENECA ST, FLOOR 34 BUFFALO, NY 14203 | $283K |
| LAWLEY LLC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | $0 |
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 | 494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 46 | $635K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $289K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $289K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 499 | $107K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 499 | $119K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 514 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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."
No prospect flags tripped on this filing.