| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $640 | $14K | 5.95% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 71 A MONROE AVE, SUITE A PITTSFORD, NY 14534 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | -$7 | $0 | -$7 | -0.00% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $12K | $2K | $14K | 9.03% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $12K | — | $12K | 7.48% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS NORTHEAST LLC | 71 AMONROE AVE, SUITE A PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | — | $4K | 3.50% |
| FAHEY, ROBERT, F3 Filed as: FAHEY, CARRIE A | 5500 MAIN ST STE 260 WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | — | $4K | 3.31% |
| FAHEY, ROBERT, F | 89 BELVOIR WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 2.73% |
| ROBERT F FAHEY3 | 5680 MAIN STREET WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $47 | — | $47 | 0.04% |
| CARRIE A FAHEY3 | 5500 MAIN ST STE 260 WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 1.74% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 71 MONROE AVE, SUITE A PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 1.08% |
| ROBERT F FAHEY3 | 5680 MAIN STREET WILLIAMSVILLE, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $115 | — | $115 | 0.12% |
| FAHEY, ROBERT, F3 | 89 BELVOIR WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $90 | — | $90 | 0.09% |
| PLANNED BENEFITS INC3 | 73 REDDING ROAD, PO BOX 11 GEORGETOWN, CT 06829 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BOND BENEFITS CONSULTING LLC3 | 71 AMONROE AVE, SUITE A PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $976 | $6K | 8.89% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 7.60% |
| BUFLIFE AGENCY INC3 | 300 CORPORATE PKWY SUITE 200N AMHERST, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $103 | — | $103 | 2.00% |
| DESMON & KOHNSTAMM INC3 | 3635 GENESEE STREET, STE 200 BUFFALO, NY 14225 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $86 | — | $86 | 1.67% |
| JOHN T BARTON CLU & ASSOCIATES3 | 3 WOODPOINTE RUN WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $86 | — | $86 | 1.67% |
| SPECIFIC SOLUTIONS INC3 | 475 INTERNATIONAL DR WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $86 | — | $86 | 1.67% |
| HARRY E JACOBS3 | 4001 LEGION DRIVE HAMBURG, NY 14075 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $19 | — | $19 | 0.37% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 71 MONROE AVE PITTSFORD, NY 14534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.18% |
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 | 630 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERA HEALTHCARE | 463 | $5.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 320 | $237K |
| Short-term disability(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 955 | $493K |
| Long-term disability(7 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 320 | $671K |
| Prescription drug | UNIVERA HEALTHCARE | 463 | $5.2M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 955 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 955 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.