| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $4K | $6K | $10K | 13.10% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $825 | $3K | 11.26% |
| PAUL THOMAS GIANGRECO3 | 375 HARRIS HILL RD UNIT 232 WILLIAMSVILLE, NY 14221 | AFLAC | $4K | $25 | $4K | 14.98% |
| MICHAEL P FARLEY3 | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $808 | $5 | $813 | 3.10% |
| DONALD VERGILS3 | 4860 GLENWOOD DR WILLIAMSVILLE, NY 14221 | AFLAC | $183 | $5 | $188 | 0.72% |
| JILL A SPIRA3 | 354 3RD ST YOUNGSTOWN, NY 14174 | AFLAC | $175 | $0 | $175 | 0.67% |
| PATRICK J ENGASSER3 | 190 CONANT DR TONAWANDA, NY 14223 | AFLAC | $52 | $0 | $52 | 0.20% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $540 | — | $540 | 2.59% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $433 | — | $433 | 3.17% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $301 | — | $301 | 2.21% |
| ALAN JUSTIN3 Filed as: ALAN JUSTIN JR | 7000 SENECA STREET ELMA, NY 14059 | THE PAUL REVERE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.45% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $297 | $70 | $367 | 14.83% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 113 | $73K |
| Vision | GUARDIAN | 113 | $73K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $30K |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 113 | $113K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 3 | $21K |
| Other(3 contracts, 3 carriers) | AFLAC | 159 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.