| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | INDEPENDENT HEALTH | — | — | $0 | 0.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LINCOLN FINANCIAL GROUP | $0 | $21K | $21K | 2.11% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $35K | $35K | 4.45% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LINCOLN FINANCIAL GROUP | $7K | $15K | $21K | 3.26% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LINCOLN FINANCIAL GROUP | $0 | $12K | $12K | 2.26% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | EYE MED | $10K | — | $10K | 5.01% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | EMPLOYEE SERVICES INC GROUP | — | — | $0 | 0.00% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | EYE MED | $30 | — | $30 | 4.75% |
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 | 3,110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 1,971 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,999 | $785K |
| Vision(2 contracts) | EYE MED | 2,891 | $208K |
| Life insurance | LINCOLN FINANCIAL GROUP | 2,946 | $657K |
| Short-term disability | LINCOLN FINANCIAL GROUP | 3,579 | $974K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 2,950 | $548K |
| Other(2 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 3,110 | $712K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,579 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.