| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANNING & NAPIER BENEFITS LLC Filed as: MANNING & NAPIER BENEFITS | 295 WOODCLIEFF DR FAIRPORT, NY 14450 | MVP HEALTH CARE | $11K | — | $11K | 3.66% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | MVP HEALTH CARE | $3K | — | $3K | 0.82% |
| MANNING & NAPIER BENEFITS LLC3 | 295 WOODCLIFF DR FAIRPORT, NY 14450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 5.97% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $318 | — | $318 | 0.98% |
| MANNING & NAPIER BENEFITS LLC3 | 295 WOODCLIFF DR FAIRPORT, NY 14450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 8.43% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $331 | — | $331 | 2.07% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 71 | $308K |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 74 | $32K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 134 | $16K |
| Prescription drug | MVP HEALTH CARE | 71 | $308K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 134 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.