| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | INDEPENDENT HEALTH | $15K | — | $15K | 0.12% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $34K | $8K | $42K | 14.39% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 2.07% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $1K | $6K | 14.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE COMPANY | $594 | $74 | $668 | 11.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $94 | $94 | 1.55% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | VSP | $89 | — | $89 | 9.97% |
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 | 636 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH | 623 | $12.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 10 | $6K |
| Vision | VSP | 4 | $893 |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 978 | $290K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 138 | $43K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 4 | $59K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 978 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 978 | — |
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.
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.