| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 N. CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS/BLUE SHIELD PLAN | $9K | — | $9K | 7.93% |
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 | 698 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 698 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 555 | $341K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 697 | $185K |
| Short-term disability(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 697 | $204K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 106 | $36K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS/BLUE SHIELD PLAN | 468 | $115K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 697 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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."
No prospect flags tripped on this filing.