| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | PROVIDENCE HEALTH PLAN | $23K | — | $23K | 1.50% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 3.58% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 1.23% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $28K | $62K | 9.68% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $21K | $25K | 5.19% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $21K | $45K | 10.44% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $16K | $18K | 6.13% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $11K | $15K | 6.63% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $9K | $10K | 5.84% |
| ALLIANCE ADVISORY GRP INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.01% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $4K | $6K | 5.26% |
| ALLIANCE ADVISORY GRP INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35 | — | $35 | 0.03% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.27% |
| ALLIANCE ADVISORY GRP INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $59 | — | $59 | 0.07% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 16.32% |
| ALLIANCE ADVISORY GRP INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $95 | — | $95 | 0.22% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $3K | 7.52% |
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 | 1,912 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,912 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PROVIDENCE HEALTH PLAN | 199 | $2.6M |
| Dental(10 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 654 | $2.5M |
| Vision(9 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 654 | $2.5M |
| Life insurance(10 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 654 | $2.5M |
| Short-term disability(10 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 654 | $2.5M |
| Long-term disability(9 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 654 | $2.5M |
| Other(10 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 654 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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."
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.