| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC Filed as: CHRISTOPHER ROSS/LAWLEY SERVICE, IN | 361 DELAWARE AVENUE BUFFALO, NY 14202 | PROVIDENCE HEALTH PLANS | $35K | — | $35K | 1.49% |
| TRUENORTH COMPANIES LC Filed as: TRUENORTH COMPANIES | — | BLUECROSS BLUESHIELD OF ILLINOIS | $56K | — | $56K | 3.19% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF ILLINOIS | $11K | — | $11K | 0.63% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $28K | — | $28K | 4.56% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $0 | $16K | $16K | 2.53% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF ILLINOIS | $23K | — | $23K | 4.08% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | — | $13K | $13K | 2.75% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $6K | — | $6K | 1.18% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $0 | $9K | $9K | 2.47% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $0 | $8K | $8K | 4.23% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $4K | — | $4K | 1.78% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP, INC | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $70 | — | $70 | 0.04% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | — | $4K | $4K | 2.03% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $613 | — | $613 | 0.32% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $11 | — | $11 | 0.01% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $10K | — | $10K | 7.17% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | — | $7K | $7K | 5.20% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | — | — | $0 | 0.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $0 | $6K | $6K | 4.66% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $0 | $4K | $4K | 3.88% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | DELTA DENTAL OF ILLINOIS | $6K | — | $6K | 5.43% |
| TRUENORTH COMPANIES LC Filed as: TRUENORTH COMPANIES | — | DELTA DENTAL OF ILLINOIS | $1K | — | $1K | 1.29% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $0 | $5K | $5K | 5.83% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $0 | $4K | $4K | 4.26% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $0 | $2K | $2K | 4.99% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $0 | $942 | $942 | 3.88% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE | 361 DELAWARE AVENUE BUFFALO, NY 14202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $376 | — | $376 | 1.68% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | EYEMED | $507 | — | $507 | 8.74% |
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 | 2,462 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | PROVIDENCE HEALTH PLANS | 356 | $4.7M |
| Dental(13 contracts, 2 carriers) | GUARDIAN | 527 | $2.6M |
| Vision(12 contracts, 2 carriers) | GUARDIAN | 527 | $2.4M |
| Life insurance(13 contracts, 2 carriers) | GUARDIAN | 527 | $2.5M |
| Short-term disability(13 contracts, 2 carriers) | GUARDIAN | 527 | $2.5M |
| Long-term disability(12 contracts, 2 carriers) | GUARDIAN | 527 | $2.5M |
| Prescription drug(3 contracts, 2 carriers) | PROVIDENCE HEALTH PLANS | 356 | $4.7M |
| Other(13 contracts, 2 carriers) | GUARDIAN | 527 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.