| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | BLUE CROSS/BLUE SHIELD OF WESTERN NEW YORK | $37K | — | $37K | 2.80% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $8K | $14K | 19.99% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICES INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 13.54% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $2K | $5K | 11.90% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $1K | $4K | 17.31% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $506 | $181 | $687 | 16.30% |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS/BLUE SHIELD OF WESTERN NEW YORK | 254 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 221 | $69K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 202 | $39K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 202 | $24K |
| Prescription drug | BLUE CROSS/BLUE SHIELD OF WESTERN NEW YORK | 254 | $1.3M |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 202 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.