| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HIGHMARK WESTERN NEW YORK | $44K | — | $44K | 1.87% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $20K | $13K | $33K | 10.04% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $561 | — | $561 | 5.47% |
| STEPHEN JOSEPH JOYCE3 | 33 GATES CIRCLE BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $354 | $49 | $403 | 3.93% |
| AMY E COHEN3 Filed as: AMY SELAK | 6901 WALMORE ROAD NIAGARA FALLS, NY 14304 | THE PAUL REVERE LIFE INSURANCE COMPANY | $279 | $2 | $281 | 2.74% |
| MICHAEL PATRICK MCNELIS3 | 458 AUBURN AVE BUFFALO, NY 14213 | THE PAUL REVERE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.43% |
| BRENDA ANN LITZKE3 | 6 PERK PLACE BALLSTON LAKE, NY 12019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.12% |
| ALAN JUSTIN3 | 19 SUGARBUSH LN LANCASTER, NY 14086 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.09% |
| MICHAEL L O'DONNELL3 Filed as: MICHAEL O'DONNELL | 133 HAZELHURST AVE N SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| STEPHEN JOSEPH JOYCE3 | 33 GATES CIRCLE BUFFALO, NY 14209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 1.03% |
| AMY E COHEN3 Filed as: AMY SELAK | 6901 WALMORE ROAD NIAGARA FALLS, NY 14304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 1.03% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN NEW YORK | 444 | $2.4M |
| Dental | GUARDIAN | 263 | $330K |
| Vision | GUARDIAN | 263 | $330K |
| Life insurance | GUARDIAN | 263 | $330K |
| Short-term disability | GUARDIAN | 263 | $330K |
| Long-term disability | GUARDIAN | 263 | $330K |
| Prescription drug | HIGHMARK WESTERN NEW YORK | 444 | $2.4M |
| Other(3 contracts, 3 carriers) | GUARDIAN | 263 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.