| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | HEALTHNOW NEW YORK INC DBA BLUE CROSS & BLUE SHIELD OF WNY | $77K | $0 | $77K | 0.41% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $26K | $10K | $36K | 6.44% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA INC. | $7K | — | $7K | 1.91% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA INC. | $6K | — | $6K | 2.23% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $5K | $11K | 5.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $608 | $5K | 19.83% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $314 | $207 | $521 | 2.91% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $120 | $0 | $120 | 0.67% |
| LOUIS R FAIOLA3 Filed as: LOUIS J PANTALONE | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $44 | — | $44 | 0.25% |
| UPENROLL - NORTHEAST/MIDATLANTIC3 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | FIRST UNUM LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | 499 WASHINGTON BLVD. JERSEY CITY, NJ 07310 | $81K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 NONE | Other services Service code 49 | ONE FOUNTAIN SQUARE 3WEST CHATTANOOGA, TN 37402 | $38K |
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 | 2,170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $39K |
| Vision | VISION SERVICE PLAN | 1,226 | $185K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,900 | $577K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,159 | $255K |
| Prescription drug | HEALTHNOW NEW YORK INC DBA BLUE CROSS & BLUE SHIELD OF WNY | 3,586 | $18.7M |
| Other(4 contracts, 3 carriers) | HEALTHNOW NEW YORK INC DBA BLUE CROSS & BLUE SHIELD OF WNY | 3,586 | $19.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,586 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.