| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | $355K | — | $355K | 4.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | — | $177K | $177K | 2.00% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N. CLINTON STREET SYRACUSE, NY 13204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $26K | $305 | $26K | 5.93% |
| 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 | — | $13K | $13K | 2.92% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | — | $12K | $12K | 3.02% |
| ONEGROUP NY INC3 | 169 MAIN STREET ONEIDA, NY 13421 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $10K | — | $10K | 2.53% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 700 KINDERKAMACK ROAD STE 205 ORADELL, NJ 07675 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $6 | $6K | 6.39% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 3.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $723 | $2 | $725 | 0.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR FARMINGTON, CT 06034 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | — | $5K | 9.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $413 | — | $413 | 0.72% |
| HELEN DIZ-HATTON3 | 8251 GREENSBORO DR MCLAINE, VA 22012 | THE PAUL REVERE LIFE INSURANCE COMPANY | $70 | $29 | $99 | 0.17% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $335 | — | $335 | 7.51% |
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 | 1,303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | 707 | $8.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 681 | $438K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 681 | $438K |
| Life insurance(3 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 1,131 | $496K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 1,131 | $403K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 1,131 | $403K |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 222 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,131 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.