| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | METROPOLITIAN LIFE INSURANCE COMPANY | $2K | $423 | $2K | 22.36% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | METROPOLITIAN LIFE INSURANCE COMPANY | $642 | $10 | $652 | 6.21% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | METROPOLITIAN LIFE INSURANCE COMPANY | $0 | $160 | $160 | 1.52% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.56% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP, INC | 600 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $77 | — | $77 | 0.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES | 801 MAIN STREET BUFFALO, NY 14203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.07% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $10K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $10K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $10K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 156 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.