| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $168K | — | $168K | 1.78% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $51K | $0 | $51K | 1.80% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $39K | — | $39K | 1.79% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $38K | — | $38K | 1.78% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $34K | — | $34K | 1.79% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $33K | — | $33K | 1.78% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $21K | — | $21K | 1.78% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $17K | — | $17K | 1.79% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $14K | — | $14K | 1.76% |
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 | 2,554 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts) | INDEPENDENT HEALTH | 1,542 | $23.2M |
| Prescription drug(9 contracts) | INDEPENDENT HEALTH | 1,542 | $23.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,542 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.