| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $29K | — | $29K | 3.20% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $17K | $9K | $25K | 11.81% |
| LIAZON BENEFITS INC Filed as: LIAZON BENEFIS INC | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | GUARDIAN | $11K | — | $11K | 5.00% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $2K | $45 | $2K | 9.81% |
| ALLIANCE ADVISORY GRP INC | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $6 | — | $6 | 0.03% |
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 | 384 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 216 | $917K |
| Dental | GUARDIAN | 195 | $213K |
| Vision | GUARDIAN | 195 | $213K |
| Life insurance(2 contracts) | GUARDIAN | 384 | $231K |
| Short-term disability | GUARDIAN | 195 | $213K |
| Long-term disability | GUARDIAN | 195 | $213K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 216 | $917K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 442 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.