| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | HEALTHNOW NY INC. DBA BC BS OF WNY | $82K | — | $82K | 3.51% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $6K | $3K | $9K | 5.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MANNING & NAPIER ADVISORS EIN 45-3328488 NONE | Investment advisory (plan) Service code 27 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | $95K |
| TRONCONI SEGARRA & ASSOCIATES LLP EIN 04-3728817 NONE | Accounting (including auditing) Service code 10 | 8321 MAIN STREET WILLIAMSVILLE, NY 14221 | $51K |
| LIPSITZ GREEN SCIME CAMBRIA LLP EIN 16-0905097 NONE | Legal Service code 29 | 42 DELAWARE AVENUE BUFFALO, NY 14202 | $42K |
| P.C. ASSISTANCE EIN 26-0022778 NONE | Consulting (pension) Service code 17 | 455 CAYUGA ROAD CHEEKTOWAGA, NY 14225 | $42K |
| WENDY STYNN EIN 16-6070541 EMPLOYEE | Employee (plan) Service code 30 | — | $42K |
| VELITCHKA BELTCHEVA EIN 16-6070541 EMPLOYEE | Employee (plan) Service code 30 | — | $35K |
| LEE SCHIFFLER EIN 16-6070541 EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| WENDY BORSA EIN 16-6070541 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
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 | 1,095 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,152 | $164K |
| Other(2 contracts, 2 carriers) | HEALTHNOW NY INC. DBA BC BS OF WNY | 1,152 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,152 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.