| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 3.10% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.39% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 15.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.25% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 16.46% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.37% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM INSURANCE COMPANY | $14K | — | $14K | 17.06% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM INSURANCE COMPANY | — | $2K | $2K | 2.32% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM INSURANCE COMPANY | $12K | — | $12K | 15.47% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM INSURANCE COMPANY | — | $1K | $1K | 1.29% |
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 | 1,885 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,418 | $660K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,418 | $749K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,418 | $479K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,418 | $823K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,418 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.