| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $156K | $167K | 5.44% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $65K | $65K | 2.13% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | SHELTER POINT LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.07% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 10.74% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 5.63% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 16.51% |
| JAME R. NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 5.62% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | DBA PREMIER WORKSITE B 700 KINDERKAMACK ROAD SUITE 240 ORADELL, NJ 07649 | AFLAC | $4K | $0 | $4K | 22.79% |
| EMERY TYLER3 | 78 HURON DRIVE BAY SHORE, NY 11706 | AFLAC | $283 | $0 | $283 | 1.53% |
| JOHN E GLASER3 | 85 ARLINGTON ROAD LAKE RONKONKOMA, NY 11779 | AFLAC | $205 | $0 | $205 | 1.11% |
| JANELLE M GADOMSKI3 | 49 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $141 | $0 | $141 | 0.76% |
| JACQUES P DAVID CORPORATION3 | MONTFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $55 | $0 | $55 | 0.30% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $46 | $0 | $46 | 0.25% |
| BRADLEY S RUPPEL3 | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $44 | $0 | $44 | 0.24% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | AFLAC | $40 | $0 | $40 | 0.22% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD ROAD GARDEN CITU, NY 11530 | AFLAC | $25 | $0 | $25 | 0.13% |
| SILVIA DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $24 | $0 | $24 | 0.13% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $24 | $0 | $24 | 0.13% |
| DOMENICO V MAUTARELLI3 | PO BOX 167 MATTITUCK, NY 11952 | AFLAC | $24 | $0 | $24 | 0.13% |
| DAVID CAPO3 | 2563 OCEAN AVENUE BELLMORE, NY 11710 | AFLAC | $22 | $0 | $22 | 0.12% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $18 | $0 | $18 | 0.10% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DRIVE WINCHESTER, ME 01890 | AFLAC | $10 | $0 | $10 | 0.05% |
| GARY DESTEFANO3 | 23 LEHIGH DR SMITHTOWN, NY 11787 | AFLAC | $9 | $0 | $9 | 0.05% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $4 | $0 | $4 | 0.02% |
| BENITO A ROTONDI3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | $0 | $3 | 0.02% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $2 | $0 | $2 | 0.01% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | DBA PREMIER WORKSITE B 700 KINDERKAMACK ROAD SUITE 240 ORADELL, NJ 07649 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $3K | $0 | $3K | 19.81% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $1K | $0 | $1K | 10.64% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | DBA PREMIER WORKSITE B 700 KINDERKAMACK ROAD SUITE 240 ORADELL, NJ 07649 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $282 | $0 | $282 | 6.57% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $113 | $0 | $113 | 2.63% |
| VINCENZO VENTURI3 | 14 WESTCHESTER AVENUE POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $758 | $0 | $758 | 23.96% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $241 | $0 | $241 | 13.47% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 365 WALL, NJ 07719 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $101 | $0 | $101 | 5.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 INSURANCE PROVIDER | Other insurance fees and expenses Service code 73 | 900COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $146K |
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 | 318 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $3.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $3.1M |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 0 | $23K |
| Short-term disability(3 contracts, 3 carriers) | SHELTER POINT LIFE INSURANCE COMPANY | 318 | $113K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 0 | $19K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $3.1M |
| Other(6 contracts, 4 carriers) | SHELTER POINT LIFE INSURANCE COMPANY | 318 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.