| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $0 | $316K | $316K | 6.10% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $0 | $460K | $460K | 10.05% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $0 | $263K | $263K | 6.89% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $0 | $216K | $216K | 9.22% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $0 | $153K | $153K | 8.02% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $0 | $157K | $157K | 16.87% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $0 | $77K | $77K | 9.47% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | — | — | $0 | 0.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $0 | $25K | $25K | 7.76% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | — | — | $0 | 0.00% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | — | — | $0 | 0.00% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | — | — | $0 | 0.00% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | — | — | $0 | — |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE. BUFFALO, NY 142021622 | INDEPENDENT HEALTH | — | — | $0 | — |
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 | 3,217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 885 | $20.9M |
| Prescription drug(14 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 885 | $20.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.