| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $24K | — | $24K | 3.52% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $13K | — | $13K | 15.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $7K | $4K | $11K | 13.11% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP, INC | — | GUARDIAN | $4 | — | $4 | 0.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $11K | — | $11K | 15.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 15.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 113 | $686K |
| Dental | GUARDIAN | 119 | $84K |
| Vision | GUARDIAN | 119 | $84K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 158 | $48K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 158 | $71K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 158 | $88K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 158 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.