| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | INDEPENDENT HEALTH BENEFITS CORPORATION | $18K | — | $18K | 3.90% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $9K | $34K | 13.24% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.02% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 13.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419103 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $470 | — | $470 | 9.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 1.25% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | VISION SERVICE PLAN | $72 | — | $72 | 10.07% |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 397 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENT HEALTH ASSOCIATION | 468 | $8.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $5K |
| Vision | VISION SERVICE PLAN | 0 | $715 |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 913 | $256K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $43K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 913 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 913 | — |
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 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.