| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HIGHMARK NEW YORK | $53K | — | $53K | 8.70% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $22K | $19K | $41K | 10.10% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP | 203 MARKET STREET, SUITE 210 HARVE DE GRACE, MD 21078 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 50.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 47.50% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $466 | — | $466 | 5.29% |
| STEPHEN JOSEPH JOYCE3 | 33 GATES CIRCLE APT 2D BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $273 | $27 | $300 | 3.41% |
| MICHAEL PATRICK MCNELIS3 | 44 19TH STREET BUFFALO, NY 14213 | THE PAUL REVERE LIFE INSURANCE COMPANY | $146 | — | $146 | 1.66% |
| AMY E COHEN3 Filed as: AMY SELAK | 6901 WALMORE ROAD NIAGARA FALLS, NY 14304 | THE PAUL REVERE LIFE INSURANCE COMPANY | $132 | — | $132 | 1.50% |
| BRENDA ANN LITZKE3 | 6 PERK PLACE BALLSTON LAKE, NY 12019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $52 | $14 | $66 | 0.75% |
| ALAN JUSTIN3 Filed as: ALAN JUSTIN JR | 19 SUGARBUSH LANE LANCASTER, NY 14086 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| MICHAEL L O'DONNELL3 Filed as: MICHAEL L O'DONNELL AND ASSOCIATES | 133 HAZELHURST AVENUE N SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| TARINA JAN BAKER3 | 4733 HOPKINS ROAD NORTH CHESTERFIELD, VA 23234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 1.71% |
| STEPHEN JOSEPH JOYCE3 | 33 GATES CIRCLE APT 2D BUFFALO, NY 14209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.95% |
| AMY E COHEN3 Filed as: AMY SELAK | 6901 WALMORE ROAD NIAGARA FALLS, NY 14304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.76% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK NEW YORK | 450 | $613K |
| Dental | GUARDIAN | 316 | $404K |
| Vision(2 contracts, 2 carriers) | HIGHMARK NEW YORK | 450 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 316 | $418K |
| Short-term disability | GUARDIAN | 316 | $404K |
| Long-term disability | GUARDIAN | 316 | $404K |
| Prescription drug | HIGHMARK NEW YORK | 450 | $613K |
| Other(4 contracts, 4 carriers) | GUARDIAN | 316 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.