| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | INDEPENDENT HEALTH | $0 | — | $0 | 0.00% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $4K | $7K | 3.16% |
| MORRISON INSURANCE SERVICES, INC. Filed as: MORRISON, GUY F | SUITE 600 5555 GLENRIDE CONNECTOR ATLANTA, GA 30342 | FIRST UNUM LIFE INSURANCE COMPANY | $656 | — | $656 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | FIRST UNUM LIFE INSURANCE COMPANY | — | $322 | $322 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY LLC HQ | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 10601 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | — | $7K | 10.00% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | UNITED HEALTHCARE INSURANCE COMPANY | -$64 | — | -$64 | -0.15% |
| LAWLEY BENEFITS GROUP LLC | 361 DELWARE AVE BUFFALO, NY 14202 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $1K | — | $1K | 10.00% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $438 | — | $438 | 14.99% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $51 | $51 | 1.75% |
| MORRISON INSURANCE SERVICES, INC. Filed as: MORRISON, GUY F | SUITE 600 5555 GLENRIDGE CONNECTOR ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY LLC HQ | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 10601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $113 | — | $113 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE COMPANY | $741 | $58 | $799 | — |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLEBROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $123 | $123 | — |
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 | 650 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | INDEPENDENT HEALTH | 1,367 | $8.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 9 | $0 |
| Vision | VISION SERVICE PLAN | 5 | $1K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 627 | $283K |
| Long-term disability(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 627 | $225K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 650 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,367 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.