| 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 | — | $16K | $16K | 3.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 71 MONROE AVE, SUITE A PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 2.76% |
| FAHEY, ROBERT, F3 | 89 BELVOIR WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 2.21% |
| CARRIE A FAHEY3 | 5500 MAIN ST STE 260 WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 2.09% |
| FAHEY, ROBERT, F3 | 5680 MAIN STREET WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $45 | — | $45 | 0.04% |
| CARRIE A FAHEY3 | 5500 MAIN ST STE 260 WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 1.63% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 71 MONROE AVE, SUITE A PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $934 | — | $934 | 1.08% |
| FAHEY, ROBERT, F3 | 89 BELVOIR WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $120 | — | $120 | 0.14% |
| ROBERT F FAHEY3 | 5680 MAIN STREET WILLIAMSVILLE, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $105 | — | $105 | 0.12% |
| PLANNED BENEFITS INC3 | 73 REDDING ROAD, PO BOX 11 GEORGETOWN, CT 06829 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 71 MONROE AVE, SUITE A PITTSFORD, NY 14534 | HARTFORD LIFE COMPANY | $685 | — | $685 | 10.00% |
| SIGNATOR INSURANCE AGENCY INC3 | 197 CLARENDON ST C 8-8 BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $143 | — | $143 | 3.00% |
| BUFLIFE AGENCY INC3 | 300 CORPORATE PKWY SUITE 200N AMHERST, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $95 | — | $95 | 1.99% |
| DESMON & KOHNSTAMM INC3 | 3635 GENESEE STREET, STE 200 BUFFALO, NY 14225 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $79 | — | $79 | 1.66% |
| JOHN T BARTON CLU & ASSOCIATES3 | 3 WOODPOINTE RUN WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $79 | — | $79 | 1.66% |
| SPECIFIC SOLUTIONS INC3 | 475 INTERNATIONAL DR WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $79 | — | $79 | 1.66% |
| HARRY E JACOBS3 | 6145 MCKINLEY RKWY, STE 22 HAMBURG, NY 14075 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $17 | — | $17 | 0.36% |
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 | 667 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNIVERA HEALTHCARE | 633 | $5.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 359 | $439K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 359 | $439K |
| Long-term disability(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 359 | $641K |
| Prescription drug | UNIVERA HEALTHCARE | 472 | $5.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 359 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.