| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $4K | $5K | $9K | 12.43% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 8.92% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL GIANGRECO | 375 HARRIS HILL RD UNIT 232 WILLIAMSVILLE, NY 14221 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $4K | $209 | $4K | 14.75% |
| MICHAEL P FARLEY3 Filed as: MICHAEL FARLEY | 5586 MAIN ST STE 209 WILLIAMSVILLE, NY 14221 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $585 | $49 | $634 | 2.49% |
| SHANE STICKLE3 | 6787 VAIL DR HAMBURG, NY 14075 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $199 | — | $199 | 0.78% |
| JILL A SPIRA3 Filed as: JILL SPIRA | 354 3RD ST YOUNGSTOWN, NY 14174 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $146 | $49 | $195 | 0.77% |
| PATRICK J ENGASSER3 Filed as: PATRICK ENGASSER | 190 CONANT DR TONAWANDA, NY 14223 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $52 | — | $52 | 0.20% |
| DONALD VERGILS3 | 4860 GLENWOOD DR WILLIAMSVILLE, NY 14221 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $44 | — | $44 | 0.17% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $429 | — | $429 | 3.63% |
| STEPHEN JOSEPH JOYCE3 | 33 GATES CIRCLE BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $286 | — | $286 | 2.42% |
| ALAN JUSTIN3 Filed as: ALAN JUSTIN JR | 19 SUGARBUSH LN LANCASTER, NY 14086 | THE PAUL REVERE LIFE INSURANCE COMPANY | $65 | — | $65 | 0.55% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $292 | — | $292 | 12.97% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $47 | $47 | — |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $578 | $578 | — |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 96 | $72K |
| Vision | GUARDIAN | 96 | $72K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 137 | $29K |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 96 | $109K |
| Other(5 contracts, 4 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 137 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.