| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | INDEPENDENT HEALTH BENEFITS CORPORATION | $806 | — | $806 | 1.75% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $102 | $926 | $1K | 50.62% |
| ALLIANCE ADVISORY GRP INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.10% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $158 | — | $158 | 11.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $24 | — | $24 | 14.91% |
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 | 286 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH BENEFITS CORPORATION | 50 | $46K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 56 | $2K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 264 | $1K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 19 | $161 |
| Prescription drug | INDEPENDENT HEALTH BENEFITS CORPORATION | 50 | $46K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 264 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.