| 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 | $4K | $8K | 10.99% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 8.11% |
| PAUL THOMAS GIANGRECO3 | 375 HARRIS HILL RD UNIT 232 WILLIAMSVILLE, NY 14221 | AFLAC | $3K | $114 | $3K | 14.19% |
| MICHAEL P FARLEY3 | 5586 MAIN ST STE 209 WILLIAMSVILLE, NY 14221 | AFLAC | $450 | $26 | $476 | 2.31% |
| SHANE STICKLE3 | 6787 VAIL DR HAMBURG, NY 14075 | AFLAC | $279 | $26 | $305 | 1.48% |
| JILL A SPIRA3 | 354 3RD ST YOUNGSTOWN, NY 14174 | AFLAC | $56 | — | $56 | 0.27% |
| PATRICK J ENGASSER3 | 190 CONANT DR TONAWANDA, NY 14223 | AFLAC | $52 | — | $52 | 0.25% |
| DONALD VERGILS3 | 4860 GLENWOOD DR WILLIAMSVILLE, NY 14221 | AFLAC | $23 | — | $23 | 0.11% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $668 | — | $668 | 6.76% |
| STEPHEN JOSEPH JOYCE3 | 33 GATES CIRCLE APT 2D BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $398 | $69 | $467 | 4.72% |
| J JACKSON & COMPANY INC3 | 41 HANCOCK TER SNYDER, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $234 | $28 | $262 | 2.65% |
| DARLENE ROWE3 | 1022 STONY POINT RD GRAND ISLAND, NY 14072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $127 | — | $127 | 1.28% |
| BRENDA ANN LITZKE3 | 6 PERK PL BALLSTON LAKE, NY 12019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $84 | $28 | $112 | 1.13% |
| LISA KATHLEEN GOTHGEN3 | 211 LEBRUN RD AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.46% |
| ALAN JUSTIN3 Filed as: ALAN JUSTIN JR | 19 SUGARBUSH LN LANCASTER, NY 14086 | THE PAUL REVERE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.42% |
| MICHAEL L O'DONNELL3 Filed as: MICHAEL L O'DONNELL AND ASSOCIATES | 133 HAZELHURST AVE NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $313 | — | $313 | 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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 109 | $71K |
| Vision | GUARDIAN | 109 | $71K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 141 | $32K |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 109 | $101K |
| Other(4 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 141 | $65K |
| 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.