| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFIT GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $39K | — | $39K | 2.30% |
| DAVEVIC BENEFIT CONSULTANTS, INC. Filed as: DAVEVIC BENEFIT CONSULTANTS | 902 SOUTH CENTER STREET PO BOX 976 GROVE CITY, PA 16127 | UMPC HEALTH PLAN | $7K | — | $7K | 2.64% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | VSP | $111K | — | $111K | 554.24% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFIT GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $3K | 21.26% |
| DAVEVIC BENEFIT CONSULTANTS, INC. Filed as: DAVEVIC BENEFIT CONSULTAN | 902 SOUTH CENTER STREET PO BOX 976 GROVE CITY, PA 16127 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $441 | $2K | 14.10% |
| LIFETIME FINANCIAL GROWTH Filed as: LIFETIME FINANCIAL GROWTH, LLC | 244 BLVD OF THE ALLI PITTSBURGH, PA 15222 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 0.20% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 281 | $2.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 16 | $11K |
| Vision | VSP | 120 | $20K |
| Life insurance(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $23K |
| Prescription drug | UMPC HEALTH PLAN | 55 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.