| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $5K | $6K | $11K | 14.39% |
| PAUL THOMAS GIANGRECO3 | 375 HARRIS HILL RD UNIT 232 WILLIAMSVILLE, NY 14221 | AFLAC | $5K | $92 | $5K | 19.08% |
| MICHAEL P FARLEY3 | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $851 | $21 | $872 | 3.28% |
| JILL A SPIRA3 | 354 3RD ST YOUNGSTOWN, NY 14174 | AFLAC | $302 | $21 | $323 | 1.21% |
| DONALD VERGILS3 | 4860 GLENWOOD DR WILLIAMSVILLE, NY 14221 | AFLAC | $144 | — | $144 | 0.54% |
| PATRICK J ENGASSER3 | 190 CONANT DR TONAWANDA, NY 14223 | AFLAC | $48 | — | $48 | 0.18% |
| SHANE STICKLE3 | 675 BAY RD WEBSTER, NY 14580 | AFLAC | $38 | — | $38 | 0.14% |
| 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 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 12.37% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $405 | — | $405 | 4.56% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $319 | — | $319 | 12.02% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $166 | — | $166 | 17.18% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $25 | — | $25 | 11.96% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1 | $9K |
| Dental | GUARDIAN | 94 | $76K |
| Vision | GUARDIAN | 94 | $76K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 77 | $14K |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 94 | $116K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1 | $9K |
| Other(4 contracts, 4 carriers) | AFLAC | 77 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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.