| 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 | $47K | — | $47K | 2.44% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $16K | $9K | $25K | 10.44% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $216 | — | $216 | 4.54% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $137 | $7 | $144 | 3.02% |
| AMY E COHEN3 Filed as: AMY SELAK | 95 LINWOOD AVENUE TONAWANDA, NY 14150 | THE PAUL REVERE LIFE INSURANCE COMPANY | $86 | $5 | $91 | 1.91% |
| DAVID J ROBERTS3 | 167 NEVINS ROAD HENRIETTA, NY 14467 | THE PAUL REVERE LIFE INSURANCE COMPANY | $53 | — | $53 | 1.11% |
| ALAN JUSTIN3 | 5165 BROADWAY DEPEW, NY 14043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.55% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 462 | $1.9M |
| Dental | GUARDIAN | 266 | $241K |
| Life insurance | GUARDIAN | 266 | $241K |
| Short-term disability | GUARDIAN | 266 | $241K |
| Long-term disability | GUARDIAN | 266 | $241K |
| Prescription drug(2 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 462 | $1.9M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 266 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.