| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N. CLINTON ST SYRACUSE, NY 13204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $207K | $207K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD. HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $62K | $62K | 1.50% |
| ONEGROUP NY INC3 | 706 N. CLINTON ST SYRACUSE, NY 13204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 9.88% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD. HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 3.95% |
| ONEGROUP NY INC3 | 706 N. CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $13K | — | $13K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | $4K | $8K | 9.90% |
| ONEGROUP NY INC3 | 706 N. CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $8K | — | $8K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD. HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | $2K | $5K | 9.18% |
| ONEGROUP NY INC3 Filed as: ONEGROUP (ONEIDA WEALTH) | 706 N. CLINTON ST SYRACUSE, NY 13204 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 9.26% |
| THE GRAHAM COMPANY3 | 30 S 15TH STREET PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2 | — | $2 | 0.00% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $474 | $20 | $494 | 3.67% |
| ONEGROUP NY INC3 | 706 N. CLINTON ST SYRACUSE, NY 13204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $367 | — | $367 | 2.73% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | — | $251 | 1.86% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $64 | $166 | 1.23% |
| DRUSILLA ROBERTSON3 | 678 WARBURTON AVENUE APT 7C YONKERS, NY 10701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $17 | $141 | 1.05% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.48% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $1 | $59 | 0.44% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.26% |
| STEVIE KIRCHER3 | 22221 STRUWIN RD BATTLE CREEK, MI 49017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.24% |
| MERRIDITH STANTON3 | 456 LAKE COMO DR POMONA PARK, FL 32181 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.23% |
| JULIA GEORGE3 | 4314 TERRACE ST PHILADELPHIA, PA 19128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.17% |
| LEITZ INSURANCE AGENCY LLC3 | 10 TRADITION CIRCLE EGG HARBOR TWP, NJ 08234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| ONEGROUP NY INC3 | 706 N. CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD. HAUPPAUGE, NY 11788 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $446 | $416 | $862 | 9.66% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC | 706 N CLINTON ST SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $328 | — | $328 | 4.15% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $211 | — | $211 | 2.67% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | THE PAUL REVERE LIFE INSURANCE COMPANY | $161 | — | $161 | 2.04% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $142 | $6 | $148 | 1.87% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $81 | $20 | $101 | 1.28% |
| DRUSILLA ROBERTSON3 | 678 WARBURTON AVENUE APT 7C YONKERS, NY 10701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $93 | $7 | $100 | 1.27% |
| JULIA GEORGE3 | 4314 TERRACE ST PHILADELPHIA, PA 19128 | THE PAUL REVERE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.56% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | THE PAUL REVERE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.51% |
| STEVIE KIRCHER3 | 22221 STRUWIN RD BATTLE CREEK, MI 49017 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.25% |
| MERRIDITH STANTON3 | 456 LAKE COMO DR POMONO PARK, FL 32181 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.22% |
| SAMUEL DAVID BREIER3 | 34 GRAMERCY PARK EAST NEW YORK, NY 10003 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 278 | $4.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $199K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 490 | $47K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 374 | $85K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 10 | $21K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 124 | $50K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 374 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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 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.