| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 NORTH CLINTON ST SYRACUSE, NY 13204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $112K | $115K | 3.91% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117880000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $63K | $63K | 2.13% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | $2K | $3K | 5.49% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | $0 | $1K | 2.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | $1K | $2K | 5.49% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $872 | $0 | $872 | 2.00% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET SYRACUSE, NY 132041327 | VISION SERVICE PLAN | $874 | $0 | $874 | 5.69% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $266 | $239 | $505 | 5.49% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $184 | $0 | $184 | 2.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $152 | $195 | $347 | 5.49% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $126 | $0 | $126 | 1.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD., STE 200 HAUPPAUGE, NY 117883914 | ZURICH AMERICAN INSURANCE COMPANY | $390 | $0 | $390 | 14.99% |
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 | 144 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $2.9M |
| Vision | VISION SERVICE PLAN | 120 | $15K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 144 | $60K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 136 | $6K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 144 | $44K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 144 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.