| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $0 | — | $0 | 0.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $2K | — | $2K | 0.09% |
| LAWLEY BENEFITS GROUP LLC Filed as: CHRISTOPHER ROSS/LAWLEY SERVICE, IN | 361 DELAWARE AVENUE BUFFALO, NY 14202 | PROVIDENCE HEALTH PLAN | $34K | — | $34K | 1.50% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $0 | — | $0 | 0.00% |
| TRUENORTH COMPANIES LC Filed as: TRUENORTH COMPANIES, L.C. | — | BLUECROSS BLUESHIELD OF ILLINOIS | $46K | $660 | $47K | 3.97% |
| TRUENORTH COMPANIES LC Filed as: TRUENORTH COMPANIES, L.C. | — | BLUECROSS BLUESHIELD OF ILLINOIS | $46K | $660 | $47K | 3.97% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $28K | — | $28K | 4.72% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | — | $2K | $2K | 0.41% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $5K | $3K | $8K | 3.68% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | -$4K | $0 | -$4K | -1.83% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $5K | $3K | $8K | 3.68% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | -$4K | — | -$4K | -1.83% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $3K | — | $3K | 1.95% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | — | $3K | $3K | 1.64% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $68 | — | $68 | 0.04% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $10K | $0 | $10K | 7.46% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $0 | $2K | $2K | 1.58% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $208 | $0 | $208 | 0.15% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $1K | $2K | $3K | 2.26% |
| NIAGARA NATIONAL INC. Filed as: NIAGARA NATIONAL | 5001 GENESEE STREET BUFFALO, NY 14225 | GUARDIAN | $1K | — | $1K | 0.87% |
| TRUENORTH COMPANIES LC Filed as: TRUENORTH COMPANIES, L.C. | — | DELTA DENTAL | $8K | — | $8K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES, INC | — | DELTA DENTAL | $6K | — | $6K | 7.02% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICES INC | 361 DELAWARE AVE BUFFALO, NY 14202 | DELTA DENTAL | $3K | — | $3K | 2.98% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $0 | $738 | $738 | 0.91% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $174 | — | $174 | 0.30% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $13 | — | $13 | 0.02% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES, LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 8.19% |
| MEEKER MAGNER CO3 | 2200 E DEVON AVE STE 340 DES PLAINES, IL 60018 | SUN LIFE ASSURANCE COMPANY OF CANADA | $333 | — | $333 | 1.02% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE STANDARD | $2K | — | $2K | 11.29% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE STANDARD | $831 | — | $831 | 14.91% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE STANDARD | $484 | — | $484 | 9.94% |
| TRUENORTH COMPANIES LC Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | EYEMED VISION CARE | $523 | — | $523 | 11.04% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE STANDARD | $579 | — | $579 | 14.92% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE STANDARD | $242 | — | $242 | 7.30% |
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 | 1,730 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 453 | $11.9M |
| Dental(14 contracts, 3 carriers) | GUARDIAN | 516 | $1.9M |
| Vision(12 contracts, 3 carriers) | GUARDIAN | 516 | $1.6M |
| Life insurance(13 contracts, 3 carriers) | GUARDIAN | 516 | $1.7M |
| Short-term disability(12 contracts, 3 carriers) | GUARDIAN | 516 | $1.4M |
| Long-term disability(12 contracts, 3 carriers) | GUARDIAN | 516 | $1.7M |
| Prescription drug(3 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 453 | $6.8M |
| Other(11 contracts) | GUARDIAN | 516 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.