| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14201 | HIGHMARK WESTERN NEW YORK | $37K | — | $37K | 1.74% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $663 | $7K | 5.33% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 142021622 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $18 | $2K | 1.84% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 142021622 | HARTFORD LIFE AND ACCIDENT | $2K | $317 | $3K | 9.39% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 142021622 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $344 | $6K | 20.05% |
| LAWLEY BENEFITS GROUP LLC4 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | HIGHMARK WESTERN NEW YORK | $135 | — | $135 | 3.02% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $124K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $180K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $124K |
| Prescription drug(2 contracts) | HIGHMARK WESTERN NEW YORK | 245 | $2.2M |
| Other(4 contracts, 4 carriers) | HIGHMARK WESTERN NEW YORK | 374 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.