| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | HEALTHNOW NEW YORK | $24K | — | $24K | 3.50% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $4K | $4K | $8K | 13.75% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $2K | $7K | 15.15% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $894 | $3K | 15.16% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $962 | $509 | $1K | 15.29% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $98 | $41 | $139 | 14.18% |
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. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNOW NEW YORK | 95 | $686K |
| Dental | GUARDIAN | 107 | $58K |
| Vision | GUARDIAN | 107 | $58K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 133 | $10K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 133 | $46K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 133 | $17K |
| Prescription drug | HEALTHNOW NEW YORK | 95 | $686K |
| Other(2 contracts, 2 carriers) | CHILD & FAMILY SERVICES | 146 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.