| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | EXCELLUS BLUE CROSS BLUE SHIELD | $62K | $0 | $62K | 4.58% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $24K | $40K | 9.13% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | INDEPENDENT HEALTH BENEFITS CORPORATION | $11K | $0 | $11K | 3.85% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $8K | $14K | 9.15% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE CO OF NEW YORK | $6K | — | $6K | 8.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE CO OF NEW YORK | $3K | — | $3K | 8.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | NEW YORK LIFE GROUP INSURANCE CO OF NEW YORK | $453 | — | $453 | 8.00% |
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 | 316 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 153 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 316 | $150K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 316 | $150K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE CO OF NEW YORK | 306 | $78K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,516 | $583K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE CO OF NEW YORK | 209 | $39K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 153 | $1.4M |
| Other | NEW YORK LIFE GROUP INSURANCE CO OF NEW YORK | 212 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,516 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.