| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $133K | $145K | 4.70% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $66K | $66K | 2.13% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | $0 | $3K | 7.70% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOICATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $999 | $1K | $2K | 5.05% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $4K | $0 | $4K | 10.35% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOICATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $896 | $896 | 2.60% |
| PREMIER WORK-SITE SOLUTIONS3 Filed as: PREMIER WORK SITE SOLUTIONS | 700 KINDERKAMACK RD STE 205 ORADELL, NJ 07649 | AFLAC | $3K | $0 | $3K | 12.78% |
| EMERY TYLER3 | 78 HURON DR BAY SHORE, NY 11706 | AFLAC | $283 | $0 | $283 | 1.24% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DR APT 4A BAYSIDE, NY 11360 | AFLAC | $204 | $76 | $280 | 1.22% |
| JOSHUA P SAUNDERS3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $135 | $73 | $208 | 0.91% |
| JOHN E GLASER3 | 85 ARLINGTON LAKE RONKONKOMA, NY 11779 | AFLAC | $205 | $0 | $205 | 0.90% |
| JANELLE M GADOMSKI3 | 48 FAIRVIEW AVE PARK RIDGE, NJ 07656 | AFLAC | $141 | $0 | $141 | 0.62% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $55 | $0 | $55 | 0.24% |
| BRADLEY S RUPPEL3 | 70 VICTORIA DR HILTON HEAD ISLAND, SC 29926 | AFLAC | $44 | $0 | $44 | 0.19% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HWY STE 1015W HOLBROOK, NY 11741 | AFLAC | $43 | $0 | $43 | 0.19% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $38 | $0 | $38 | 0.17% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $25 | $0 | $25 | 0.11% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $24 | $0 | $24 | 0.10% |
| DOMENICO V MAUTARELLI3 | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $23 | $0 | $23 | 0.10% |
| SILVIA DESTEFANO3 | 4250 VETERANS MEMORIAL HWY STE 1015W HOLBROOK, NY 11741 | AFLAC | $22 | $0 | $22 | 0.10% |
| DAVID CAPO3 | 2563 OCEAN AVE BELLMORE, NY 11710 | AFLAC | $22 | $0 | $22 | 0.10% |
| JAMES (JAY) GRIMES3 | 614 ROBERT WILLIAMS RD PINE MOUNTAIN, GA 31822 | AFLAC | $17 | $0 | $17 | 0.07% |
| MICHAEL S CHILLE3 | 6760 VALHALLA WAY WINDERMERE, FL 34786 | AFLAC | $10 | $0 | $10 | 0.04% |
| GARY DESTEFANO3 | 23 LEHIGH DR SMITHTOWN, NY 11787 | AFLAC | $9 | $0 | $9 | 0.04% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $4 | $0 | $4 | 0.02% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | $0 | $3 | 0.01% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $2 | $0 | $2 | 0.01% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 700 KINDERKAMACK RD ST ORADELL, NJ 07649 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $1K | $0 | $1K | 9.98% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $750 | $0 | $750 | 5.05% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $357 | $0 | $357 | 2.50% |
| BEERS, LISA BETH3 | 3630 GARDENS PKWY #1003 PALM BEACH GARDENS, FL 33410 | FIRST UNUM LIFE INSURANCE COMPANY | $108 | $0 | $108 | 0.76% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $362 | $0 | $362 | 11.17% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOICATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $79 | $85 | $164 | 5.06% |
| CAVALLERO PABLO3 | PO BOX 270295 SAN JUAN, PR 00928 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $147 | $0 | $147 | 4.95% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DR LIBERTY, MO 64068 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $71 | $0 | $71 | 2.39% |
| PREMIER WORK-SITE SOLUTIONS3 Filed as: PREMIER WORK-SITE SOLUTIONS LLC | 700 KINDERKAMACK RD STE 205 ORADELL, NJ 07649 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $49 | $0 | $49 | 1.65% |
| ONE GROUP NY INC2 | 706 N CLINTON STREET SYRACUSE, NY 13204 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $24 | $0 | $24 | 0.81% |
| STPRIVLAWPURGED3 | — | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $9 | $0 | $9 | 0.30% |
| PREMIER WORK-SITE SOLUTIONS3 Filed as: PREMIER WORK-SITE SOLUTIONS, LLC | 700 KINDERKAMACK RD STE 205 ORADELL, NJ 07649 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $3 | $0 | $3 | 0.10% |
| STPRIVLAWPURGED3 | — | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $7 | $0 | $7 | 1.55% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DR LIBERTY, MO 64068 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $5 | $0 | $5 | 1.11% |
| CAVALLERO PABLO3 | PO BOX 270295 SAN JUAN, PR 00928 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $3 | $0 | $3 | 0.66% |
| ONE GROUP NY INC2 | 706 N CLINTON STREET SYRACUSE, NY 13204 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2 | $0 | $2 | 0.44% |
| PREMIER WORK-SITE SOLUTIONS3 Filed as: PREMIER WORK-SITE SOLUTIONS LLC | 700 KINDERKAMACK RD STE 205 ORADELL, NJ 07649 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2 | $0 | $2 | 0.44% |
| PREMIER WORK-SITE SOLUTIONS3 Filed as: PREMIER WORK-SITE SOLUTIONS, LLC | 700 KINDERKAMACK RD STE 205 ORADELL, NJ 07649 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $1 | $0 | $1 | 0.22% |
| CAVALLERO PABLO3 | PO BOX 270295 SAN JUAN, PR 00928 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $10 | $0 | $10 | 2.31% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DR LIBERTY, MO 64068 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $5 | $0 | $5 | 1.15% |
| PREMIER WORK-SITE SOLUTIONS3 Filed as: PREMIER WORK-SITE SOLUTIONS, LLC | 700 KINDERKAMACK RD STE 205 ORADELL, NJ 07649 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $3 | $0 | $3 | 0.69% |
| ONE GROUP NY INC2 | 706 N CLINTON STREET SYRACUSE, NY 13204 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2 | $0 | $2 | 0.46% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $3.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $3.1M |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 35 | $56K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 0 | $34K |
| Other(6 contracts, 4 carriers) | AFLAC | 28 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.