| 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 | $116K | — | $116K | 2.34% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET SYRACUSE, NY 13204 | VISION SERVICE PLAN | $2K | — | $2K | 3.17% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 8.54% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $537 | $537 | 2.00% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 9.53% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $752 | $752 | 4.84% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLAN, OH 44139 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $95 | $95 | 0.61% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON STRET SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 12.15% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $645 | $645 | 5.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLAN, OH 44139 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $93 | $93 | 0.72% |
| MICHAEL L O'DONNELL3 Filed as: MICHAEL O'DONNELL | 133 HAZELHURST AVENUE N SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $710 | — | $710 | 7.46% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $125 | — | $125 | 1.31% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS ROAD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.14% |
| STEPHEN JOSEPH JOYCE3 Filed as: STEPHEN JOESEPH JOYCE | 33 GATES CIRCLE BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.11% |
| MICHAEL L O'DONNELL3 | 133 HAZELHURST AVE N SYRACUSE, NY 13212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 6.01% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 3.01% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $265 | — | $265 | 12.02% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $110 | $110 | 4.99% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLAN, OH 44139 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $13 | $13 | 0.59% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 514.18% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $7 | $7 | 1.71% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $3 | $3 | 0.73% |
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 | 372 | 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) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 267 | $5.0M |
| Vision | VISION SERVICE PLAN | 233 | $66K |
| Life insurance(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 372 | $18K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 372 | $27K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 249 | $13K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 267 | $5.0M |
| Other(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 355 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.