| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $45K | — | $45K | 0.94% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $15 | $15K | 4.60% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 3.16% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $14K | — | $14K | 9.69% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $8K | — | $8K | 9.88% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 6.94% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 8.92% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $15 | $2K | 4.50% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.31% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $15 | $1K | 4.72% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 10.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.05% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $751 | $15 | $766 | 4.69% |
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 | 615 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 1,091 | $4.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 650 | $325K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 650 | $325K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 816 | $146K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 124 | $58K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 816 | $86K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 1,091 | $4.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,091 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.