| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $32K | — | $32K | 3.30% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $4K | $6K | $10K | 12.75% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $1K | $3K | 13.31% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.63% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $235 | $1K | 5.51% |
| SHANNON LINCOLN3 | 6270 JENNIFER COURT CLARENCE CENTER, NY 14032 | THE PAUL REVERE LIFE INSURANCE COMPANY | $866 | — | $866 | 3.67% |
| ALAN JUSTIN3 | 5165 BROADWAY DEPEW, NY 14043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $98 | — | $98 | 0.42% |
| SHERRI MORGAN3 | 2744 MOORE ROAD RANSOMVILLE, NY 14131 | THE PAUL REVERE LIFE INSURANCE COMPANY | $94 | — | $94 | 0.40% |
| AMY E COHEN3 Filed as: AMY SELAK | 48 DALE DRIVE NORTH TONAWANDA, NY 14120 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| PAUL THOMAS GIANGRECO3 | 184 SWEENEY ST APT 424 NORTH TONAWANDA, NY 14120 | AFLAC | $5K | — | $5K | 38.14% |
| MICHAEL P FARLEY3 | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $1K | — | $1K | 8.94% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $261 | $98 | $359 | 16.48% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 0 | $76K |
| Vision | GUARDIAN | 0 | $76K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 40 | $24K |
| Short-term disability(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 37 | $38K |
| Prescription drug(2 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 182 | $1.0M |
| Other(4 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 182 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.