| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC. | 361 DELAWARE ACE BUFFALO, NY 14202 | HIGHMARK WESTERN NEW YORK | $37K | — | $37K | 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 | $6K | — | $6K | 1.89% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC. | 361 DELAWARE AVE. BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 10.55% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC. | 361 DELAWARE AVE. BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $422 | $619 | $1K | 17.98% |
| 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 | $131 | — | $131 | 2.26% |
| LIFETIME FINANCIAL GROWTH Filed as: LIFETIME FINANCIAL GROWTH LLC | 224 BLVD OF THE ALLI PITTSBURGH, PA 15222 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.05% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP INC. | 600 DELAWARE AVE. BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.03% |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK WESTERN NEW YORK | 278 | $1.9M |
| Dental(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $102K |
| Vision(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $102K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $96K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK WESTERN NEW YORK | 278 | $1.9M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.