| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FITZGIBBONS AGENCY, LLC3 Filed as: FITZGIBBONS AGENCY LLC | 44 E BRIDGE ST OSWEGO, NY 13126 | SUN LIFE AND HEALTH INSURANCE COMPANY | $13K | — | $13K | 6.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 777 CANAL VIEW BLVD SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $19K | — | $19K | 12.41% |
| ONE GROUP NY INC3 Filed as: ONE GROUP NY, INC. | 706 N. CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $16K | — | $16K | 10.25% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERVICES | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 170554900 | VISION SERVICE PLAN | $504 | — | $504 | 1.45% |
| ONE GROUP NY INC3 Filed as: ONE GROUP NY, INC. | 706 N. CLINTON STREET SYRACUSE, NY 13204 | VISION SERVICE PLAN | $132 | — | $132 | 0.38% |
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 | 959 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 964 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 640 | $35K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 959 | $184K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 959 | $184K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 959 | $184K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 668 | $155K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 959 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 959 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.