| 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 | $120K | — | $120K | 2.27% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 3.16% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 2.00% |
| 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 NEW YORK | — | $6K | $6K | 5.00% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 3.54% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 2.00% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON STRET SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 5.04% |
| 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 NEW YORK | — | $5K | $5K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 2.00% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET SYRACUSE, NY 13204 | VISION SERVICE PLAN | $2K | — | $2K | 3.04% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 10.37% |
| 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 NEW YORK | — | $743 | $743 | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $297 | $297 | 2.00% |
| MICHAEL L O'DONNELL3 Filed as: MICHAEL O'DONNELL | 133 HAZELHURST AVENUE N SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $623 | — | $623 | 7.02% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $266 | $24 | $290 | 3.27% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS ROAD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $231 | $9 | $240 | 2.70% |
| ONEGROUP NY INC3 | 706 N. CLINTON ST SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $219 | — | $219 | 2.47% |
| PERRY L KANFER3 | 525 PLUM STREET SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $41 | $19 | $60 | 0.68% |
| STEPHEN JOSEPH JOYCE3 Filed as: STEPHEN JOESEPH JOYCE | 33 GATES CIRCLE BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $434 | — | $434 | 15.00% |
| 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 NEW YORK | — | $145 | $145 | 5.01% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $58 | $58 | 2.00% |
| MICHAEL L O'DONNELL3 | 133 HAZELHURST AVE N SYRACUSE, NY 13212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 6.52% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 3.23% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $48 | $1K | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $249 | $249 | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | -$43 | -$43 | — |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | CIGNA LIFE INSURANCE CO. OF NEW YORK | -$104 | — | -$104 | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $2K | $2K | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $558 | -$230 | $328 | — |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | CIGNA LIFE INSURANCE CO. OF NEW YORK | -$326 | — | -$326 | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $2K | $2K | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | -$285 | -$285 | — |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | CIGNA LIFE INSURANCE CO. OF NEW YORK | -$684 | — | -$684 | — |
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 | 366 | 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. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 256 | $5.3M |
| Vision | VISION SERVICE PLAN | 235 | $67K |
| Life insurance(4 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 366 | $130K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 366 | $130K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 228 | $99K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 256 | $5.3M |
| Other(4 contracts, 4 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 366 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.