| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELWARE AVE BUFFALO, NY 14094 | INDEPENDENT HEALTH BENEFITS CORPORATION | $33K | — | $33K | 3.52% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELWARE AVE BUFFALO, NY 14202 | GUARDIAN | $8K | $8K | $16K | 15.59% |
| CROWN BENEFITS GROUP, INC.3 | 2914 PINE AVENUE NIAGARA FALLS, NY 14301 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $3K | — | $3K | 3.14% |
| CROWN BENEFITS GROUP, INC.3 | 2914 PINE AVENUE NIAGARA FALLS, NY 14301 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $2K | — | $2K | 3.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JESSICA M. WESTPHAL FUND ADMINISTRATOR | Employee (plan) Service code 30 | 8803 NIAGARA FALLS BLVD NIAGARA FALLS, NY 14304 | $67K |
| BONADIO & CO., LLP EIN 16-1131146 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $28K |
| SEGAL MARCO ADVISORS EIN 13-2646110 INVESTEMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $19K |
| PCA TECHNOLOGY GROUP, INC. EIN 26-0022778 TECHNOLOGY PROVIDER | Consulting (general) Service code 16 | — | $11K |
| LIPSITZ GREEN SCIME & CAMBRIA, LLP EIN 16-0905097 ATTORNEY | Legal Service code 29 | — | $7K |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH BENEFITS CORPORATION | 126 | $927K |
| Dental | GUARDIAN | 171 | $101K |
| Life insurance | GUARDIAN | 171 | $101K |
| Prescription drug(2 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 17 | $161K |
| Other | GUARDIAN | 171 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.