| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | BLUECROSS BLUE SHIELD OF WNY | $111K | — | $111K | 0.81% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | BLUECROSS BLUE SHIELD OF WNY | $79K | — | $79K | 0.58% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | DELTA DENTAL | $16K | — | $16K | 2.52% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | DELTA DENTAL | $16K | — | $16K | 2.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN FINANCIAL GROUP | $12K | — | $12K | 8.29% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN FINANCIAL GROUP | $9K | — | $9K | 6.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 220 S RIDGEWOOD AVE DATONA BEACH, FL 32114 | LINCOLN FINANCIAL GROUP | — | $756 | $756 | 0.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN FINANCIAL GROUP | $11K | — | $11K | 8.37% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN FINANCIAL GROUP | $9K | — | $9K | 6.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 220 S RIDGEWOOD AVE DATONA BEACH, FL 32114 | LINCOLN FINANCIAL GROUP | — | $860 | $860 | 0.63% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN INC | 45 EAST AVE ROCHESTER, NY 14604 | VSP | $2K | — | $2K | 1.65% |
| LAWLEY BENEFITS GROUP LLC Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | VSP | $889 | — | $889 | 0.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN FINANCIAL GROUP | $3K | — | $3K | 4.13% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN FINANCIAL GROUP | $533 | — | $533 | 0.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 220 S RIDGEWOOD AVE DATONA BEACH, FL 32114 | LINCOLN FINANCIAL GROUP | — | $460 | $460 | 0.67% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | EMPLOYEE NETWORK, INC | $3K | — | $3K | 6.51% |
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 | 3,970 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF WNY | 2,597 | $13.6M |
| Dental | DELTA DENTAL | 1,409 | $633K |
| Vision | VSP | 1,181 | $125K |
| Life insurance(2 contracts) | LINCOLN FINANCIAL GROUP | 2,401 | $204K |
| Short-term disability | LINCOLN FINANCIAL GROUP | 825 | $140K |
| Prescription drug | BLUECROSS BLUE SHIELD OF WNY | 2,597 | $13.6M |
| Other(3 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 3,970 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,970 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.