| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $25K | $43K | 7.67% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 1.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 333 SOUTH SEVENTH STREET SUITE 1400 MINNEAPOLIS, MN 55402 | HIGHMARK NEW YORK | $7K | — | $7K | 2.09% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HIGHMARK NEW YORK | $862 | — | $862 | 0.25% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $13K | $21K | 8.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 1.81% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $4K | $14K | 17.34% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 7.25% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $3K | $13K | 17.84% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 6.74% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $2K | $3K | 8.47% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $746 | $0 | $746 | 1.82% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $522 | $2K | 16.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $885 | $0 | $885 | 7.55% |
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 | 1,925 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK NEW YORK | 41 | $339K |
| Vision | VISION SERVICE PLAN | 1,306 | $185K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,271 | $559K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,937 | $241K |
| Prescription drug | HIGHMARK NEW YORK | 41 | $339K |
| Other(6 contracts, 3 carriers) | HIGHMARK NEW YORK | 2,077 | $555K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,271 | — |
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.