| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | INDEPENDENT HEALTH BENEFITS CORPORATION | $39K | — | $39K | 3.08% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $9K | $6K | $15K | 12.03% |
| CROWN BENEFITS GROUP, INC. | 2914 PINE AVE NIAGARA FALLS, NY 14301 | HIGHMARK NEW YORK | $3K | — | $3K | 3.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANGELA STANISZ FUND ADMINISTRATOR | Plan Administrator Service code 14 | 6700 SCHULTZ RD NIAGARA FALLS, NY 14304 | $76K |
| BLITMAN & KING, LLP EIN 16-1047304 ATTORNEY | Legal Service code 29 | 16 W. MAIN ST. 500 ROCHESTER, NY 14614 | $44K |
| BONADIO & CO., LLP EIN 16-1131146 ACCOUNTANT | Accounting (including auditing) Service code 10 | 100 CORPORATE PKWY 200 AMHERST, NY 14226 | $37K |
| PCA TECHNOLOGY GROUP, INC. EIN 26-0022778 TECHNOLOGY PROVIDER | Consulting (general) Service code 16 | 303 CAYUGA RD. 100 BUFFALO, NY 14225 | $33K |
| SEGAL MARCO ADVISORS EIN 13-2646110 INVESTEMENT ADVISOR | Investment advisory (plan) Service code 27 | 25 BRAINTREE HILL OFFICE PARK SUITE BRAINTREE, MA 02184 | $29K |
| ASHELY STOGNER FUND ADMINISTRATOR | Plan Administrator Service code 14 | 6700 SCHULTZ RD NIAGARA FALLS, NY 14304 | $28K |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 143 | $1.3M |
| Dental | GUARDIAN | 175 | $122K |
| Life insurance | GUARDIAN | 175 | $122K |
| Prescription drug | HIGHMARK NEW YORK | 17 | $92K |
| Other | GUARDIAN | 175 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.