| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 2.34% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $20K | $20K | 3.32% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $17K | $23K | 4.07% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 2.87% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | EYEMED VISION CARE | $4K | — | $4K | 3.09% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | EYEMED VISION CARE | $3K | — | $3K | 2.83% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | EYEMED VISION CARE | $50 | — | $50 | 2.79% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | EYEMED VISION CARE | $45 | — | $45 | 2.51% |
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 | 2,703 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,210 | $587K |
| Vision(2 contracts) | EYEMED VISION CARE | 1,880 | $116K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,172 | $560K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,703 | $694K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,167 | $371K |
| Other | ESI EMPLOYEE ASSISTANCE GROUP | 2,721 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,721 | — |
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."
No prospect flags tripped on this filing.