| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | PROVIDENCE HEALTH PLAN | $17K | — | $17K | 0.75% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL, INC. | 5001 GENESEE STREET BUFFALO, NY 14225 | HEALTHNOW NEW YORK INC. | $21K | — | $21K | 1.22% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | HEALTHNOW NEW YORK INC. | $8K | — | $8K | 0.44% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | PROVIDENCE HEALTH PLAN | $14K | — | $14K | 1.10% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL INC | 5001 GENESEE STREET BUFFALO, NY 14225 | GUARDIAN | $17K | $16K | $33K | 5.77% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $3K | — | $3K | 0.60% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | BLUE CROSS & BLUE SHIELD OF ILLINOIS | $12K | — | $12K | 2.48% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL | — | BLUE CROSS & BLUE SHIELD OF ILLINOIS | $8K | — | $8K | 1.65% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL INC | 5001 GENESEE STREET BUFFALO, NY 14225 | GUARDIAN | $10K | $8K | $17K | 9.61% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $4K | $0 | $4K | 2.10% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $271 | — | $271 | 0.15% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL, INC. | 5001 GENESEE STREET BUFFALO, NY 14225 | HEALTH NET | $5K | — | $5K | 2.71% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | HEALTH NET | $2K | — | $2K | 1.29% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL INC | 5001 GENESEE STREET BUFFALO, NY 14225 | GUARDIAN | $13K | $8K | $21K | 13.10% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $4K | — | $4K | 2.35% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL INC | 5001 GENESEE STREET BUFFALO, NY 14225 | GUARDIAN | $7K | $7K | $14K | 11.86% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $2K | — | $2K | 2.14% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $193 | — | $193 | 0.17% |
| NIAGARA NATIONAL INC.3 Filed as: NIAGARA NATIONAL INC | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | THE STANDARD | $8K | — | $8K | 8.27% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE STANDARD | $5K | — | $5K | 5.47% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL INC | 5001 GENESEE STREET BUFFALO, NY 14225 | GUARDIAN | $6K | $6K | $12K | 14.79% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET BUFFALO, NY 14225 | LIFEMAP | $4K | — | $4K | 6.46% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | LIFEMAP | $3K | — | $3K | 3.64% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL INC | 5001 GENESEE STREET BUFFALO, NY 14225 | GUARDIAN | $5K | $6K | $11K | 20.99% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $2K | — | $2K | 3.69% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP, INC | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $99 | — | $99 | 0.19% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP | 350 ESSJAY D SUITE 301 WILLIAMSVILLE, NY 14221 | GUARDIAN | $32 | — | $32 | 0.06% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL INC | 5001 GENESEE STREET BUFFALO, NY 14225 | LIFEMAP | $4K | — | $4K | 10.53% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | LIFEMAP | $2K | — | $2K | 5.26% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | PRINCIPAL | $2K | — | $2K | 6.24% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL INC | 5001 GENESEE STREET BUFFALO, NY 14202 | PRINCIPAL | $797 | — | $797 | 2.43% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL INC | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.89% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $47 | $1K | 4.97% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | VISION SERVICE PLAN | $836 | — | $836 | 6.17% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | VISION SERVICE PLAN | $41 | — | $41 | 0.30% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET CHEEKTOWAGA, NY 14225 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $1K | — | $1K | 12.19% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $559 | — | $559 | 6.65% |
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 | 1,550 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | PROVIDENCE HEALTH PLAN | 442 | $5.9M |
| Dental(7 contracts, 6 carriers) | GUARDIAN | 98 | $639K |
| Vision(7 contracts, 4 carriers) | GUARDIAN | 503 | $1.2M |
| Life insurance(9 contracts, 4 carriers) | GUARDIAN | 503 | $1.3M |
| Short-term disability(9 contracts, 4 carriers) | GUARDIAN | 503 | $1.2M |
| Long-term disability(8 contracts, 4 carriers) | GUARDIAN | 503 | $1.3M |
| Prescription drug | HEALTHNOW NEW YORK INC. | 442 | $1.7M |
| Other(5 contracts) | GUARDIAN | 503 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.