| 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 | $176K | $0 | $176K | 1.88% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $43K | — | $43K | 1.67% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $47K | $0 | $47K | 1.84% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $47K | $0 | $47K | 2.29% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $36K | $0 | $36K | 1.82% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $34K | — | $34K | 1.81% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $23K | $0 | $23K | 1.96% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | $16K | $0 | $16K | 1.82% |
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 | 2,523 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts) | INDEPENDENT HEALTH | 1,418 | $22.4M |
| Prescription drug(8 contracts) | INDEPENDENT HEALTH | 1,418 | $22.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,418 | — |
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.