| 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 | $4K | $9K | 11.85% |
| ALLIANCE ADVISORY GRP INC3 | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $2 | — | $2 | 0.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | $895 | $4K | 13.25% |
| PAUL THOMAS GIANGRECO3 | 375 HARRIS HILL RD UNIT 232 WILLIAMSVILLE, NY 14221 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $4K | $104 | $4K | 17.91% |
| MICHAEL P FARLEY3 | 5586 MAIN ST STE 209 WILLIAMSVILLE, NY 14221 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $608 | $24 | $632 | 2.58% |
| SHANE STICKLE3 | 6787 VAIL DR HAMBURG, NY 14075 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $427 | $24 | $451 | 1.84% |
| JILL A SPIRA3 | 354 3RD ST YOUNGSTOWN, NY 14174 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $75 | — | $75 | 0.31% |
| PATRICK J ENGASSER3 | 190 CONANT DR TONAWANDA, NY 14223 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $52 | — | $52 | 0.21% |
| DONALD VERGILS3 | 4860 GLENWOOD DR WILLIAMSVILLE, NY 14221 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $41 | — | $41 | 0.17% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $460 | — | $460 | 4.82% |
| STEPHEN JOSEPH JOYCE3 | 33 GATES CIRCLE BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $357 | $59 | $416 | 4.36% |
| J JACKSON & COMPANY INC3 | 41 HANCOCK TERR SNYDER, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $185 | $55 | $240 | 2.51% |
| DARLENE ROWE3 | 1022 STONY POINT ROAD GRAND ISLAND, NY 14072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $106 | $86 | $192 | 2.01% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $118 | — | $118 | 1.24% |
| BRENDA ANN LITZKE3 | 6 PERK PLACE BALLSTON LAKE, NY 12019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $56 | $5 | $61 | 0.64% |
| ALAN JUSTIN3 Filed as: ALAN JUSTIN JR | 19 SUGARBUSH LN LANCASTER, NY 14086 | THE PAUL REVERE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.46% |
| MICHAEL L O'DONNELL3 | 133 HAZELHURST AVE N SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $293 | $68 | $361 | 15.59% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 100 | $72K |
| Vision | GUARDIAN | 100 | $72K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 141 | $30K |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 100 | $106K |
| Other(4 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 141 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.