| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $8K | $10K | $18K | 6.53% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE, INC. | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $10K | $350 | $11K | 8.03% |
| BENEFITSTORE INC4 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 16.34% |
| JT-MARIKOS INS AGENCY INC3 | 200 WINTON ROAD NORTH ROCHESTER, NY 14610 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 6.91% |
| WAYNE A LEVAN3 Filed as: WAYNE LEVAN | 8770 TRANSIT ROAD E AMHERST, NY 14051 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.72% |
| JOHNATHAN GUAY3 | 2820 DEWEY AVENUE ROCHESTER, NY 14468 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.61% |
| WAYNE MUNROE DRYE Filed as: WAYNE MONROE DYE | 6 CONCOURSE PKWY SUITE 3100 ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.05% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE, INC. | 361 DELAWARE AVENUE BUFFALO, NY 142021622 | VISION SERVICE PLAN | $2K | — | $2K | 3.49% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HARTFORD LIFE INSURANCE CO. | $5K | — | $5K | 11.57% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HARTFORD INSURANCE CO. | $5K | — | $5K | 11.82% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE, INC. | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $416 | — | $416 | 14.99% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE, INC. | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HARTFORD LIFE | $248 | — | $248 | 15.03% |
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 | 690 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNOW NEW YORK INC. | 690 | $3.1M |
| Dental | GUARDIAN | 397 | $274K |
| Vision | VISION SERVICE PLAN | 321 | $59K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 294 | $158K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,689 | $247K |
| Long-term disability | HARTFORD INSURANCE CO. | 291 | $40K |
| Prescription drug(2 contracts) | HEALTHNOW NEW YORK INC. | 690 | $3.1M |
| Other(5 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 653 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,689 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.