| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $789 | $5K | 5.54% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.89% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 10.37% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 4.57% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | — | $395 | $395 | 1.14% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $709 | $5K | 16.75% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 13.49% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | — | $872 | $872 | 4.50% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | — | $218 | $218 | 1.12% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 9.22% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $3 | $3 | 0.02% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $333 | — | $333 | 3.90% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $165 | $165 | 1.93% |
| PATRIOT GROWTH INSURANCE SERVICES | 6700 MAIN STREET WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $357 | — | $357 | 4.53% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $55 | — | $55 | 0.70% |
| KELLY & ASSOCIATES INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | FIRST UNUM LIFE INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| GEBO, MICKEY, JOHN Filed as: GEBO, MICKEY JOHN | 480 LOUD RD FAIRPORT, NY 14450 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $85K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $85K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 92 | $8K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 49 | $31K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 187 | $35K |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 63 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.