| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFIT GROUP, LLC | 361 DELAWARE AVENUE BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $83K | — | $83K | 0.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC. | 801 MAIN STREET BUFFALO, NY 142031299 | INDEPENDENT HEALTH | $81K | — | $81K | 0.73% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK, INC. | 71A MONROE AVE PITTSFORD VIL GREEN PITTSFORD, NY 14534 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $15K | — | $15K | 10.00% |
| VANNER BENEFITS, LLC3 Filed as: VANNER INSURANCE | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | EASTERN VISION SERVICE PLAN, INC | $5K | — | $5K | 3.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC. | 801 MAIN STREET BUFFALO, NY 142031299 | EASTERN VISION SERVICE PLAN, INC | $2K | — | $2K | 1.29% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK, INC. | 71A MONROE AVE PITTSFORD VIL GREEN PITTSFORD, NY 14534 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 12.94% |
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 | 2,784 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 2,589 | $11.0M |
| Vision | EASTERN VISION SERVICE PLAN, INC | 942 | $126K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 2,784 | $148K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 2,784 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,784 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.