| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELWARE AVE BUFFALO, NY 14202 | GUARDIAN | $7K | $6K | $13K | 13.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JESSICA M. WESTPHAL FUND ADMINISTRATOR | Employee (plan) Service code 30 | 8803 NIAGARA FALLS BLVD NIAGARA FALLS, NY 14304 | $66K |
| CHIAMPOU TRAVIS BESAW & KERSHNER EIN 16-1468002 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $23K |
| SEGAL MARCO ADVISORS EIN 13-2646110 INVESTEMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $14K |
| LIPSITZ GREEN SCIME & CAMBRIA, LLP EIN 16-0905097 ATTORNEY | Legal Service code 29 | — | $9K |
| PCA TECHNOLOGY GROUP, INC. EIN 26-0022778 TECHNOLOGY PROVIDER | Consulting (general) Service code 16 | — | $8K |
| WINWIN SOLUTIONS INC. EIN 80-0534873 TECHNOLOGY ADVISOR | Consulting (general) Service code 16 | — | $6K |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 198 | $0 |
| Dental | GUARDIAN | 172 | $96K |
| Life insurance | GUARDIAN | 172 | $96K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 198 | $0 |
| Other(2 contracts, 2 carriers) | GUARDIAN | 198 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.