| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADIRONDACK TRUST COMPANY3 Filed as: ADIRONDACK TRUST CO FNCL SRVS, INC. | 31 CHURCH STREET, 4TH FLOOR SARATOGA SPRINGS, NY 12866 | HARTFORD LIFE AND ACCIDENT | $246K | $5K | $251K | 7.95% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | ONE GROUP CENTER 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | METROPOLITAN GENERAL INSURANCE COMPANY | $7K | — | $7K | 10.03% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 5232 WITZ DRIVE NORTH SYRACUSE, NY 13212 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $607 | $607 | 0.86% |
| ONEIDA ASSOCIATES INC3 Filed as: ONEIDA ASSOCIATES, INC. | 5232 WITZ DRIVE NORTH SYRACUSE, NY 13212 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $8 | $8 | 0.01% |
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 | 3,564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,519 | $297K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,564 | $3.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,564 | $3.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,564 | $3.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,564 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,564 | — |
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.