| 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 | $8K | 12.04% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | $943 | $4K | 12.81% |
| PAUL THOMAS GIANGRECO3 | 375 HARRIS HILL RD UNIT 232 WILLIAMSVILLE, NY 14221 | AFLAC | $3K | $174 | $3K | 17.96% |
| MICHAEL P FARLEY3 | 5586 MAIN ST STE 209 WILLIAMSVILLE, NY 14221 | AFLAC | $404 | $30 | $434 | 2.55% |
| SHANE STICKLE3 Filed as: SHANE S STICKLE | 6787 VAIL DR HAMBURG, NY 14075 | AFLAC | $360 | $30 | $390 | 2.29% |
| PATRICK JEFFREY ENGASSER3 | 1149 TROON DR W NICEVILLE, FL 32578 | AFLAC | $46 | — | $46 | 0.27% |
| DONALD VERGILS3 | 4860 GLENWOOD DR WILLIAMSVILLE, NY 14221 | AFLAC | $17 | — | $17 | 0.10% |
| JILL A SPIRA3 | 354 3RD ST YOUNGSTOWN, NY 14174 | AFLAC | $8 | — | $8 | 0.05% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $585 | — | $585 | 6.12% |
| STEPHEN JOSEPH JOYCE3 | 33 GATES CIRCLE APT 2D BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $330 | $51 | $381 | 3.99% |
| J JACKSON & COMPANY INC3 | 41 HANCOCK TER SNYDER, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $326 | $40 | $366 | 3.83% |
| BRENDA ANN LITZKE3 | 6 PERK PL BALLSTON LAKE, NY 12019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $74 | — | $74 | 0.77% |
| ALAN JUSTIN3 Filed as: ALAN JUSTIN JR | 19 SUGARBUSH LN LANCASTER, NY 14086 | THE PAUL REVERE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.37% |
| LISA KATHLEEN GOTHGEN3 | 211 LEBRUN RD AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.09% |
| 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 | $5 | — | $5 | 0.05% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $275 | $76 | $351 | 15.33% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 90 | $70K |
| Vision | GUARDIAN | 90 | $70K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 140 | $29K |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 90 | $97K |
| Long-term disability | GUARDIAN | 90 | $70K |
| Other(4 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 140 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.