| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN A. NAPPO3 | 8600 TRANSIT ROAD STE 1B EAST AMHERST, NY 14051 | FIRST UNUM LIFE INSURANCE COMPANY | $15K | — | $15K | 5.66% |
| STEPHEN A. NAPPO3 | 6245 KRAUS ROAD CLARENCE CENTER, NY 14032 | THE GUARDIAN | $4K | — | $4K | 5.82% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | ONE NIAGARA SQUARE BUFFALO, NY 14202 | THE GUARDIAN | $66 | — | $66 | 0.09% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | ONE NIAGARA SQUARE BUFFALO, NY 14202 | THE GUARDIAN | $21 | — | $21 | 0.03% |
| STEPHEN A. NAPPO3 | 6245 KRAUS ROAD CLARENCE CENTER, NY 14032 | THE GUARDIAN | $3K | — | $3K | 5.26% |
| STEPHEN A. NAPPO3 | 8600 TRANSIT ROAD STE 1B EAST AMHERST, NY 14051 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | — | $7K | 15.98% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | HEALTHNOW NEW YORK, INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NEW YOR | $141K | — | $141K | — |
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 | 944 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 944 | $344K |
| Short-term disability | THE GUARDIAN | 913 | $50K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 944 | $344K |
| Prescription drug(2 contracts) | HEALTHNOW NEW YORK, INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NEW YOR | 1,953 | $0 |
| Other(5 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,953 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,953 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.