| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N. CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $59K | — | $59K | 4.01% |
| PETER DERRENBACKER3 | 34 ASPEN PARK BLVD. EAST SYRACUSE, NY 13057 | GUARDIAN | $11K | — | $11K | 4.41% |
| ONEGROUP NY INC3 | 706 N. CLINTON STREET SYRACUSE, NY 13204 | GUARDIAN | $4K | $6K | $10K | 4.09% |
| PETER DERRENBACKER3 | 34 ASPEN PARK BLVD. EAST SYRACUSE, NY 13057 | NORTHWESTERN MUTUAL | $5K | $1K | $7K | 3.71% |
| RP DODD GROUP INC3 | 34 ASPEN PARK BLVD. EAST SYRACUSE, NY 13057 | NORTHWESTERN MUTUAL | $1K | $101 | $1K | 0.71% |
| PETER DERRENBACKER3 | 34 ASPEN PARK BLVD. EAST SYRACUSE, NY 13057 | FIRST UNUM LIFE INSURANCE COMPANY | $21K | $0 | $21K | 20.00% |
| ONEGROUP NY INC3 | 706 N. CLINTON STREET SYRACUSE, NY 13204 | HM LIFE INSURANCE COMPANY OF NEW YORK | $0 | $0 | $0 | 0.00% |
| PETER DERRENBACKER3 | PO BOX 4718 SYRACUSE, NY 13221 | THE HARTFORD | $21 | — | $21 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHOICE STRATEGIES EIN 94-3351864 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 2205 SOUTH BURLINGTON, VT 05407 | $16K |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 212 | $1.5M |
| Dental | GUARDIAN | 307 | $241K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 209 | $20K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 359 | $241K |
| Long-term disability | NORTHWESTERN MUTUAL | 306 | $175K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 212 | $1.5M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 98 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.