| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $40K | — | $40K | 2.50% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $15K | — | $15K | 6.96% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC. | 361 DELAWARE AVENUE BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | — | — | $0 | 0.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $394 | — | $394 | 8.52% |
| AMY E COHEN3 Filed as: AMY SELAK | 95 LINWOOD AVENUE TONAWANDA, NY 14150 | THE PAUL REVERE LIFE INSURANCE COMPANY | $247 | $19 | $266 | 5.75% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR. AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $192 | $52 | $244 | 5.28% |
| DAVID J ROBERTS3 Filed as: DAVID J. ROBERTS | 167 NEVINS ROAD HENRIETTA, NY 14467 | THE PAUL REVERE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.95% |
| ALAN JUSTIN3 | 5165 BROADWAY DEPEW, NY 14043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.56% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 408 | $1.6M |
| Dental | GUARDIAN | 230 | $210K |
| Life insurance | GUARDIAN | 230 | $210K |
| Short-term disability | GUARDIAN | 230 | $210K |
| Long-term disability | GUARDIAN | 230 | $210K |
| Prescription drug(2 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 408 | $1.6M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 230 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.