| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | EMBLEMHEALTH | $355K | — | $355K | 3.97% |
| ONEGROUP NY INC3 | 706 NORTH CLINTON ST SYRACUSE, NY 13204 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $47K | — | $47K | 8.52% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | — | $25K | $25K | 4.46% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N. CLINTON STREET SYRACUSE, NY 13204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 5.81% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $14K | $14K | 3.28% |
| PREMIER WORK-SITE SOLUTIONS3 | 700 KINDERKAMACK ROAD SUITE 205 ORADELL, NJ 07649 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS | 700 KINDERKAMACK ROAD SUITE 205 ORADELL, NJ 07649 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.51% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.10% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 EAST LANCANSTER AVENUE SUITE 210 VILLANIVA, PA 19085 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $24 | — | $24 | 8.89% |
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 | 1,224 | 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) | 1,225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 581 | $8.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 602 | $425K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 602 | $425K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 1,224 | $723K |
| Short-term disability | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 121 | $170K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 1,224 | $553K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 121 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,224 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.