| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $4K | $11K | $15K | 4.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 122 EAST COLLEGE AVENUE SUITE 201 APPLETON, WI 54911 | GUARDIAN | $5K | — | $5K | 1.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 7.39% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.06% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 16.57% |
| JT-MARIKOS INS AGENCY INC3 | 200 WINTON RD NORTH ROCHESTER, NY 14610 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 6.27% |
| JOHNATHAN GUAY3 | 1100 LONG POND RD SUITE 119 ROCHESTER, NY 14626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.56% |
| WAYNE A LEVAN3 | 8770 TRANSIT RD E AMHERST, NY 14051 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $508 | — | $508 | 0.36% |
| WAYNE MONROE DRYE3 | 6 CONCOURSE PKWY SUITE 3100 ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 93033 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $1K | — | $1K | 1.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 93033 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $480 | — | $480 | 7.99% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $178 | — | $178 | 2.96% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $664 | — | $664 | 15.01% |
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 | 584 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 70 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 939 | $4.6M |
| Dental | GUARDIAN | 619 | $324K |
| Vision | VISION SERVICE PLAN | 451 | $72K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,644 | $361K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,644 | $361K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,644 | $220K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,644 | $371K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.