| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $8K | $11K | $19K | 7.18% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $19K | $4K | $22K | 10.63% |
| BENEFITSTORE INC3 | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 16.75% |
| JT-MARIKOS INS AGENCY INC3 | 200 WINTON RD NORTH ROCHESTER, NY 14610 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 7.65% |
| JOHNATHAN GUAY3 | 2820 DEWEY AVENUE ROCHESTER, NY 14468 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.89% |
| WAYNE A LEVAN3 Filed as: WAYNE S LEVAN | 8770 TRANSIT RD E AMHERST, NY 14051 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $764 | — | $764 | 0.56% |
| WAYNE MONROE DRYE3 | 6 CONCOURSE PKWY SUITE 3100 ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.02% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | VISION SERVICE PLAN | $2K | — | $2K | 3.02% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $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 | 797 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHNOW NEW YORK INC | 879 | $3.8M |
| Dental | GUARDIAN | 481 | $267K |
| Vision | VISION SERVICE PLAN | 376 | $61K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,644 | $348K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,644 | $212K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,644 | $212K |
| Prescription drug | HEALTHNOW NEW YORK INC | 879 | $3.7M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,644 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,644 | — |
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.