| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | HEALTHNOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $36K | — | $36K | 1.72% |
| EMS FINANCIAL SERVICES LLC Filed as: EMS FINANCIAL SVCS LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $285K | $8K | $293K | 100.00% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 6.30% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 3.98% |
| EMS FINANCIAL SERVICES LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 19.29% |
| EMS FINANCIAL SERVICES LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $77 | — | $77 | — |
| VANNER BENEFITS, LLC Filed as: VANNER BENEFITS LLC | 10 PINCHOT CT STE 100 AMHERST, NY 14228 | FIRST UNUM LIFE INSURANCE COMPANY | $10 | — | $10 | — |
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 | 458 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTHNOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 458 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 21 | $293K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 21 | $293K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 21 | $293K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 21 | $293K |
| Prescription drug(3 contracts, 3 carriers) | HEALTHNOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 458 | $2.2M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.