| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $33K | $0 | $33K | 2.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $997 | $20K | 10.32% |
| JENNINGS INSURANCE SERVICES3 | 618 E SOUTH STREET ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 9.73% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC. | 361 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39 | — | $39 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 6.92% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC. | 361 DELAWARE AVENUE BUFFALO, NY 14202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $198 | — | $198 | 0.20% |
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 | 735 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 187 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 614 | $190K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 614 | $190K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 614 | $190K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 614 | $291K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 614 | $190K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 187 | $1.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 614 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.