| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $0 | $30K | 4.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUECROSS BLUESHIELD EIN 23-7391136 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.9M |
| PAYER MATRIX LLC EIN 81-3946362 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.8M |
| UPRISE HEALTH/HMC HEALTHWORKS, INC. EIN 95-4146179 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $259K |
| HEALTHSMART RX SOLUTIONS EIN 34-1635597 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $245K |
| MICHAEL CIANCAGLINI EIN 16-0915820 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $134K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $130K |
| SLEVIN & HART, PC EIN 52-1708613 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $117K |
| DELTA DENTAL OF NEW YORK, INC. EIN 11-1980218 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $96K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 RECORDKEEPING AND INFO | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $93K |
| LOOMIS COMPANY EIN 23-2238132 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $67K |
| REGINA HEILAND EIN 16-0915820 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $60K |
| JOHANNA PACIELLO EIN 16-0915820 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| EMILIA D'AMBRO EIN 16-0915820 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $52K |
| JENNA MOSCA EIN 16-0915820 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| ROSEANNE HEMMITT EIN 16-0915820 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $37K |
| ELIZABETH BURKE EIN 16-0915820 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| CHARLENE BROCCOLI EIN 16-0915820 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $36K |
| DAVIS VISION EIN 11-3051991 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $32K |
| PETER DECARLO CPA PLLC EIN 51-0545975 UNION ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
| CHARTWELL INVESTMENT PARTNERS LLC EIN 23-2891243 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $25K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-1645832 INVESTMENT CONSULTANT | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $23K |
| BONDARTECH EIN 46-3261507 IT CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $18K |
| NAVIANT EIN 23-2889732 IT CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $14K |
| NORTHERN TRUST COMPANY EIN 36-1561860 INVESTMENT CUSTODIAN | Direct payment from the plan; Custodial (securities) Service code 19 | — | $10K |
| BRIAN FREEMAN EIN 16-0915820 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $5K |
| WEAVER & TIDWELL, LLP EIN 75-0786316 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $5K |
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 | 8,374 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 10,776 | $627K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 10,776 | $627K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,776 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.