| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $38K | $6K | $43K | 6.85% |
| HAYS COMPANIES, INC. | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | FIRST UNUM LIFE INSURANCE COMPANY | $26K | $13K | $38K | 6.08% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $28K | $4K | $32K | 6.73% |
| HAYS COMPANIES, INC. Filed as: HAYS COMPANIES, INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | FIRST UNUM LIFE INSURANCE COMPANY | $20K | $10K | $29K | 6.17% |
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 | 1,513 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,514 | $474K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,529 | $632K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,529 | $632K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 1,514 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,529 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.