| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC. | 361 DELAWARE AVE. BUFFALO, NY 14202 | HIGHMARK WESTERN NEW YORK | $38K | — | $38K | 2.30% |
| DAVEVIC BENEFIT CONSULTANTS, INC. Filed as: DAVEVIC BENEFIT CONSULTANTS | 902 SOUTH CENTER ST. PO BOX 976 GROVE CITY, PA 16127 | UPMC HEALTH PLAN | $7K | — | $7K | 2.54% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC. | 361 DELAWARE AVE. BUFFALO, NY 14202 | VSP | $412 | — | $412 | 2.24% |
| DAVEVIC BENEFIT CONSULTANTS, INC. Filed as: DAVEVIC BENEFIT CONSULTANTS | 902 SOUTH CENTER ST. PO BOX 976 GROVE CITY, PA 16127 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $913 | $2K | 17.00% |
| LIFETIME FINANCIAL GROWTH Filed as: LIFETIME FINANCIAL GROWTH LLC | 224 BLVD OF THE ALLI PITTSBURGH, PA 15222 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.20% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC. | 361 DELAWARE AVE. BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 13.46% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK WESTERN NEW YORK | 270 | $1.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17 | $13K |
| Vision(2 contracts, 2 carriers) | VSP | 125 | $31K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $10K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK WESTERN NEW YORK | 270 | $1.9M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
No prospect flags tripped on this filing.