| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WNY | $16K | — | $16K | 3.61% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 14.15% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE | 361 DELAWARE AVE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $742 | — | $742 | 0.46% |
| EMS FINANCIAL SERVICES LLC3 | 6724 MAIN ST WILLAMSVILLE, NY 14221 | HARTFORD LIFE AND ACCIDENT | $5 | — | $5 | 0.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $8K | 13.82% |
| LIAZON BENEFITS INC5 | 199 SCOTT STREET FL 8 BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.99% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP INC | 350 ESSJAY ROAD WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52 | — | $52 | 0.09% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP INC | 600 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.05% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF WNY | 80 | $438K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 72 | $56K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 72 | $56K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 123 | $163K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 123 | $163K |
| Prescription drug(2 contracts) | BLUECROSS BLUESHIELD OF WNY | 80 | $438K |
| Other(4 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF WNY | 123 | $657K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.