| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $306 | — | $306 | 3.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLITMAN & KING EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $50K |
| MAUREEN LIEB EIN 16-1198780 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $47K |
| DEB POLITIS CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | 731 JAMES STREET, SUITE 300 SYRACUSE, NY 13203 | $36K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $13K |
| MANNING & NAPIER ADVISORS, INC. EIN 16-0995763 NONE | Investment management; Direct payment from the plan Service code 28 | — | $12K |
| J.A. MARIANO AGENCY INSURANCE BROKER | Insurance agents and brokers; Direct payment from the plan Service code 22 | 679 LANDIS AVE ROSENHAYN, NY 08352 | $9K |
| WORKFORCE DEVELOPMENT INSTITUTE NONE | Other services; Direct payment from the plan Service code 49 | 731 JAMES STREET, SUITE 300 SYRACUSE, NY 13203 | $8K |
| JBM COMPUTER CONSULTANTS CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | 20 NORTH AMERICA DRIVE WEST SENECA, NY 14224 | $7K |
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 | 273 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 9 | $52K |
| Dental(4 contracts, 4 carriers) | INDEPENDENT HEALTH | 158 | $88K |
| Prescription drug(3 contracts) | HEALTHNOW NEW YORK INC DBA BLUECROSS BLUESHIELD OF WNY | 12 | $132K |
| Other(3 contracts) | HEALTHNOW NEW YORK INC DBA BLUECROSS BLUESHIELD OF WNY | 12 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
No prospect flags tripped on this filing.