| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $10K | $26K | 6.49% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $3K | $20K | 5.15% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | $2K | $6K | 13.59% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $0 | $2K | 5.25% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.28% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.14% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.25% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $599 | $0 | $599 | 4.13% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.96% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $525 | $0 | $525 | 4.15% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | — |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | — |
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 | 800 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 853 | $52K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,115 | $395K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,115 | $395K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,115 | $395K |
| Long-term disability(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 848 | $72K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,115 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,115 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.