| 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 | $43K | — | $43K | 2.14% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $18K | $11K | $29K | 9.90% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.18% |
| AMY E COHEN3 Filed as: AMY SELAK | 6901 WALMORE ROAD NIAGARA FALLS, NY 14304 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $52 | $1K | 9.61% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $612 | $200 | $812 | 7.22% |
| ALAN JUSTIN3 | 7000 SENECA STREET ELMA, NY 14059 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.18% |
| DAVID J ROBERTS3 | 167 NEVINS ROAD HENRIETTA, NY 14467 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.04% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 1.03% |
| AMY E COHEN3 Filed as: AMY SELAK | 6901 WALMORE ROAD NIAGARA FALLS, NY 14304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 1.03% |
| TARINA JAN BAKER3 | 14723 BEACON HILL CT MIDLOTHIAN, VA 23112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.21% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 448 | $2.0M |
| Dental | GUARDIAN | 262 | $298K |
| Vision | GUARDIAN | 262 | $298K |
| Life insurance | GUARDIAN | 262 | $298K |
| Short-term disability | GUARDIAN | 262 | $298K |
| Long-term disability | GUARDIAN | 262 | $298K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 448 | $2.0M |
| Other(3 contracts, 3 carriers) | GUARDIAN | 262 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.