| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | EXCELLUS BCBS | $65K | — | $65K | 3.61% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $10K | $25K | 9.46% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $10K | $17K | 7.89% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $8K | $0 | $8K | 8.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $0 | $3K | 8.00% |
| LAWLEY BENEFITS GROUP LLC2 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $323 | $0 | $323 | 7.99% |
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 | 380 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BCBS | 230 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 375 | $213K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 375 | $213K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 380 | $102K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,197 | $479K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 274 | $35K |
| Prescription drug | EXCELLUS BCBS | 230 | $1.8M |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 274 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,197 | — |
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.