| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $22K | $8K | $29K | 7.40% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE | 361 DELAWARE AVE BUFFALO, NY 14202 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 2.11% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE | 361 DELAWARE AVE BUFFALO, NY 14202 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 2.06% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $4K | $10K | 5.24% |
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 | 1,731 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF WNY | 46 | $283K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $0 |
| Vision | VISION SERVICE PLAN | 1,097 | $158K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,770 | $395K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,693 | $191K |
| Prescription drug(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WNY | 1,395 | $283K |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,817 | $798K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,817 | — |
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.