| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $5K | $5K | $9K | 11.54% |
| PAUL THOMAS GIANGRECO3 | 184 SWEENEY ST APT 424 NORTH TONAWANDA, NY 14120 | AFLAC | $6K | $398 | $6K | 19.51% |
| MICHAEL P FARLEY3 | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $1K | $80 | $1K | 3.66% |
| DONALD VERGILS3 | 4860 GLENWOOD DR WILLIAMSVILLE, NY 14221 | AFLAC | $489 | $57 | $546 | 1.67% |
| PATRICK J ENGASSER3 | 106 HARRISON AVE TONAWANDA, NY 14223 | AFLAC | $55 | — | $55 | 0.17% |
| PATRICK J ENGASSER3 | 190 CONANT DR TONAWANDA, NY 14223 | AFLAC | $5 | $22 | $27 | 0.08% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 8.68% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $649 | — | $649 | 3.83% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $466 | — | $466 | 2.75% |
| ALAN JUSTIN3 | 5165 BROADWAY DEPEW, NY 14043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.50% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $264 | — | $264 | 11.99% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 98 | $54K |
| Dental | GUARDIAN | 107 | $81K |
| Vision | GUARDIAN | 107 | $81K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 45 | $28K |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 107 | $131K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 3 | $22K |
| Other(3 contracts, 3 carriers) | AFLAC | 95 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.