| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $6K | $36K | 5.52% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUECROSS BLUESHIELD EIN 23-7391136 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.4M |
| HEALTH MANAGEMENT CONCEPTS EIN 95-4146179 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $458K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $284K |
| SLEVIN & HART, PC EIN 52-1708613 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $255K |
| LOOMIS COMPANY EIN 23-2238132 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $243K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 RECORDKEEPING AND INFO | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $107K |
| UFCW DISTRICT UNION LOCAL ONE EIN 15-0559586 LABOR UNION | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $89K |
| SAMANTHA DERISO EIN 16-0915820 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $84K |
| MICHAEL CIANCAGLINI EIN 16-0915820 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $65K |
| JOSEPH BATTISTA EIN 16-0915820 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| RENE MURPHY-JOHNSON EIN 16-0915820 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $60K |
| PHIL BRUZZESE EIN 16-0915820 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $58K |
| VICTORIA BATTISTA EIN 16-0915820 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $58K |
| PETER DECARLO CPA, PLLC EIN 51-0545975 UNION ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $56K |
| REGINA HEILAND EIN 16-0915820 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| CHARLENE BROCCOLI EIN 16-0915820 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $49K |
| NADINE CAMPOLA EIN 16-0915820 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| JEAN PAWELEK EIN 16-0915820 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $44K |
| MARIANNE YOUNG EIN 16-0915820 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $42K |
| EMILIA D'AMBRO EIN 16-0915820 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| DAVIS VISION EIN 11-3051991 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $35K |
| CHERYL GRAZIANO EIN 16-0915820 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $30K |
| PAMELA MAZZATTI EIN 16-0915820 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $27K |
| MARYBETH REWKOWSKI-WAHL EIN 16-0915820 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $14K |
| NORTHERN TRUST COMPANY EIN 36-1561860 INVESTMENT CUSTODIAN | Direct payment from the plan; Custodial (securities) Service code 19 | — | $10K |
| OPTUMRX EIN 11-2581812 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $7K |
| WHIP HEALTH EIN 32-0412653 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $6K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-1645832 INVESTMENT CONSULTANT | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $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 | 9,672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,881 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,881 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,881 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.