| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFIT GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $46K | — | $46K | 2.26% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLWY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14120 | VSP | $13K | — | $13K | 7.50% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $810 | $2K | 19.79% |
| DAVEVIC BENEFIT CONSULTANTS, INC. Filed as: DAVEVIC BENEFIT CONSULTAN | 902 SOUTH CENTER ST PO BOX 976 GROVE CITY, PA 16127 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $827 | $421 | $1K | 15.10% |
| LIFETIME FINANCIAL GROWTH Filed as: LIFETIME FINANCIAL GROWTH LLC | 244 BLVD OF THE ALLI PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.21% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 343 | $2.0M |
| Vision | VSP | 115 | $180K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 183 | $20K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 343 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.