| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $35K | $31K | $66K | 9.91% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $4K | $24K | $28K | 5.28% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $25K | $22K | $46K | 10.55% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $2K | $15K | $17K | 5.42% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $3K | $11K | $14K | 6.97% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $1K | $8K | $9K | 6.15% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $2K | $6K | $8K | 6.25% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $3K | $4K | $7K | 9.03% |
| ALLIANCE ADVISORY GRP INC3 | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $28 | — | $28 | 0.03% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $2K | $2K | $4K | 7.59% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $3K | $2K | $5K | 19.08% |
| ALLIANCE ADVISORY GRP INC3 | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $31 | — | $31 | 0.11% |
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 | 1,907 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(10 contracts) | GUARDIAN | 704 | $2.6M |
| Vision(9 contracts) | GUARDIAN | 704 | $2.5M |
| Life insurance(10 contracts) | GUARDIAN | 704 | $2.6M |
| Short-term disability(10 contracts) | GUARDIAN | 704 | $2.6M |
| Long-term disability(9 contracts) | GUARDIAN | 704 | $2.5M |
| Other(10 contracts) | GUARDIAN | 704 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.