| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | HEALTHNOW NEW YORK, INC. | $33K | $0 | $33K | 2.42% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $796 | $10K | 7.55% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $412 | $3K | 2.07% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | HEALTHNOW NEW YORK, INC. | $616 | $0 | $616 | 3.46% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $391 | — | $391 | 5.93% |
| PRISELAC & ASSOCIATES3 | 17 COURT STREET #500 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $125 | $0 | $125 | 1.90% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 142021622 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $124 | $1K | 21.90% |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 489 | $128K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 489 | $128K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 489 | $128K |
| Prescription drug(2 contracts) | HEALTHNOW NEW YORK, INC. | 320 | $1.4M |
| Other(4 contracts, 3 carriers) | HEALTHNOW NEW YORK, INC. | 489 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.