| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 4.95% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | — | $5K | 4.87% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 4.94% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 9.45% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $278 | — | $278 | 5.00% |
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 | 413 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 252 | $213K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 413 | $74K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 434 | $103K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 405 | $45K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 413 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.