| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNIVERA HEALTHCARE | $107K | — | $107K | 2.57% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | UNIVERA HEALTHCARE | $10K | — | $10K | 0.23% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 3.35% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.16% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.74% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $9K | $11K | 6.87% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $800 | $3K | 1.98% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $4K | $7K | 10.14% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $353 | $2K | 3.08% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $2K | $4K | 10.52% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $836 | $198 | $1K | 2.65% |
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 | 421 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTHCARE | 308 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 927 | $225K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 927 | $225K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 300 | $39K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 416 | $159K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 321 | $69K |
| Prescription drug | UNIVERA HEALTHCARE | 308 | $4.2M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 300 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.