| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICE | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 6.61% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $983 | $3K | 5.52% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICE | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 6.67% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $823 | $575 | $1K | 5.65% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICE | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 6.62% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $817 | $535 | $1K | 5.60% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICE | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $166 | — | $166 | 6.92% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $74 | $72 | $146 | 6.09% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICE | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $128 | — | $128 | 6.64% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $64 | $42 | $106 | 5.50% |
| ACRISURE LLC Filed as: HAYLOR, FREYER AND COON INC. | 231 SALINA MEADOWS PKWY SYRACUSE, NY 13212 | FEDERAL INSURANCE COMPANY | $349 | — | $349 | 19.99% |
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 | 477 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 477 | $46K |
| Short-term disability(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 87 | $27K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 179 | $25K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 180 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.