| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNITEDHEALTHCARE INSURANCE COMPANY | $127K | — | $127K | 4.96% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | -$346 | — | -$346 | -0.01% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 21.72% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $653 | $653 | 1.90% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 23.79% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $345 | $345 | 2.08% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $219 | $219 | 1.75% |
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 | 1,034 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,034 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 996 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 996 | $2.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 996 | $2.6M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 985 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $13K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 985 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 996 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.