| 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 BLUECROSS BLUESHIELD | $100K | — | $100K | 2.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC. | — | VISION SERVICE PLAN | $2K | — | $2K | 3.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | GUARDIAN | $3K | $3K | $6K | 12.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | CIGNA GROUP INSURANCE | $4K | — | $4K | 9.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM ST. STE 200 SYRACUSE, NY 13204 | CIGNA INSURANCE GROUP | $3K | — | $3K | 7.82% |
| MICHAEL L O'DONNELL3 Filed as: MICHAEL O'DONNELL | 133 HAZELHURST AVENUE N SYRACUSE, NY 13212 | PAUL REVERE LIFE INSURANCE COMPANY | $1K | $16 | $1K | 8.19% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | PAUL REVERE LIFE INSURANCE COMPANY | $237 | $7 | $244 | 1.91% |
| BRIAN MCLAUCHLAN3 | 303 FOREST DRIVE NORTH SYRACUSE, NY 13212 | PAUL REVERE LIFE INSURANCE COMPANY | $73 | $7 | $80 | 0.63% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DRIVE AMHERST, NY 14226 | PAUL REVERE LIFE INSURANCE COMPANY | $28 | $7 | $35 | 0.27% |
| SHEILA ANN WILSON3 | 36 SHARYL DRIVE CENTRAL SQUARE, NY 13036 | PAUL REVERE LIFE INSURANCE COMPANY | $10 | $19 | $29 | 0.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | CIGNA GROUP INSURANCE | $958 | — | $958 | 12.00% |
| MICHAEL L O'DONNELL3 Filed as: MICHAEL O'DONNELL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 5.63% |
| SUSAN SMITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 2.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | CIGNA GROUP INSURANCE | $234 | — | $234 | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIFETIME BENEFIT SOLUTIONS, INC. ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 333 BUTTTERNUT DRIVE SYRACUSE, NY 13214 | $11K |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 254 | $3.8M |
| Vision | VISION SERVICE PLAN | 213 | $63K |
| Life insurance(3 contracts, 2 carriers) | CIGNA INSURANCE GROUP | 344 | $45K |
| Short-term disability | GUARDIAN | 344 | $48K |
| Long-term disability | CIGNA GROUP INSURANCE | 226 | $42K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 254 | $3.8M |
| Other(3 contracts, 3 carriers) | PAUL REVERE LIFE INSURANCE COMPANY | 344 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.