| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | GROUP HEALTH INCORPORATED | $388K | — | $388K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | GROUP HEALTH INCORPORATED | — | $155K | $155K | 2.00% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON ST SYRACUSE, NY 13204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $27K | — | $27K | 5.84% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $7K | $7K | 1.61% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $28K | — | $28K | 9.34% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 700 KINDERKAMACK ROAD STE 205 ORADELL, NJ 07675 | FIRST UNUM LIFE INSURANCE COMPANY | $15K | — | $15K | 11.83% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 6.54% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $36 | $2K | 1.54% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR FARMINGTON, CT 06034 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16K | — | $16K | 16.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $975 | — | $975 | 1.03% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $383 | $158 | $541 | 0.57% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $2K | — | $2K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $776 | $776 | 1.96% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $1K | — | $1K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $542 | $542 | 1.96% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $448 | — | $448 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $176 | $176 | 1.97% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $448 | — | $448 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $176 | $176 | 1.97% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $224 | — | $224 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $88 | $88 | 1.97% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $277 | — | $277 | 9.32% |
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 | 1,301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HEALTH INCORPORATED | 745 | $7.8M |
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 729 | $552K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 729 | $463K |
| Life insurance(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,192 | $435K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,192 | $304K |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,192 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,192 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.