| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $87K | — | $87K | 2.84% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $9K | $5K | $14K | 7.90% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $10K | — | $10K | 5.77% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $16K | — | $16K | 15.38% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $4K | $9K | 8.99% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $14K | — | $14K | 15.22% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $4K | $8K | 9.00% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $1K | $82 | $1K | 3.61% |
| JENNIFER DICK3 | 891 BABCOCK LAKE ROAD PETERSBURG, NY 12138 | AFLAC | $1K | — | $1K | 3.32% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 N FRANKLIN ST STE 20 SYRACUSE, NY 13204 | AFLAC | $716 | — | $716 | 2.12% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $611 | $22 | $633 | 1.87% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $323 | $19 | $342 | 1.01% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $254 | — | $254 | 0.75% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $100 | — | $100 | 0.30% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | AFLAC | $82 | — | $82 | 0.24% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $44 | — | $44 | 0.13% |
| JUSTIN M. BYMASTER3 Filed as: JUSTIN M BYMASTER | 447 STATE ROUTE 104A STERLING, NY 13156 | AFLAC | $23 | $12 | $35 | 0.10% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $34 | — | $34 | 0.10% |
| SHAWN DALY3 | 2287 CENTER ROAD SCIPIO CENTER, NY 13147 | AFLAC | $22 | — | $22 | 0.07% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $15 | — | $15 | 0.04% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $12 | $2 | $14 | 0.04% |
| STEPHEN R CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $11 | — | $11 | 0.03% |
| EDWARD D YATES JR3 | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $6 | — | $6 | 0.02% |
| CORY D NELSON3 | 215 HIGHWAY 965 NE STE 3 NORTH LIBERTY, IA 52317 | AFLAC | $312 | — | $312 | 1.51% |
| JOHANNA R GRIFFIN3 | 341 WOODFORD DR MILLBROOK, AL 36054 | AFLAC | $260 | — | $260 | 1.25% |
| MISSY A ARENHOLZ3 | 403 W PROSPECT ST BOX 712 SHELL ROCK, IA 50670 | AFLAC | $225 | — | $225 | 1.09% |
| ANDREW THOMAS3 Filed as: ANDREW C THOMAS | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $182 | — | $182 | 0.88% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $161 | — | $161 | 0.78% |
| JENNIFER DICK3 Filed as: JENNIFER M DICK | 891 BABCOCK LAKE ROAD PETERSBURG, NY 12138 | AFLAC | $157 | — | $157 | 0.76% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $121 | — | $121 | 0.58% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $99 | — | $99 | 0.48% |
| KEITH LIN BELICH3 | 8408 TIMBER CREEK DR PIKE ROAD, AL 36064 | AFLAC | $78 | — | $78 | 0.38% |
| TYSON J BURTON3 | 200 STATE ST STE 202Y CEDAR FALLS, IA 50613 | AFLAC | $76 | — | $76 | 0.37% |
| JOHN J MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $74 | — | $74 | 0.36% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $59 | — | $59 | 0.28% |
| KEVIN CURTIS3 | 401 RYLAND ST STE 204 RENO, NV 89502 | AFLAC | $39 | — | $39 | 0.19% |
| JENNIFER E MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $26 | — | $26 | 0.13% |
| TAMMY HALLMAN STARNES3 | 1062 E POPLAR ST PRATTVILLE, AL 36066 | AFLAC | $20 | — | $20 | 0.10% |
| ERIC JASON WILLIAMS3 | 2907 DALLAS DR CEDAR FALLS, IA 50613 | AFLAC | $13 | — | $13 | 0.06% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $12 | — | $12 | 0.06% |
| TERRELL & COMPANY INC3 | 4401 WESTOWN PKWY STE 350 WEST DES MOINES, IA 50266 | AFLAC | $11 | — | $11 | 0.05% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $7 | — | $7 | 0.03% |
| SCOTT R FRITCHER3 | 3511 131ST ST URBANDALE, IA 50323 | AFLAC | $7 | — | $7 | 0.03% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $6 | — | $6 | 0.03% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 316 BARBATO LN STE 17 SACRAMENTO, CA 95814 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $4 | — | $4 | 0.02% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.02% |
| MARC W WHITE3 | 2601 COVEY CT CEDAR FALLS, IA 50613 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $3 | — | $3 | 0.01% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.01% |
| JOSHUA D TERRELL3 | 812 VENETIAN ISLES DR APT 1 LAKE PARK, FL 33403 | AFLAC | $3 | — | $3 | 0.01% |
| LORA CARNES3 | 300 E 2ND ST STE 1320 RENO, NV 89501 | AFLAC | $2 | — | $2 | 0.01% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $0 | — | $0 | 0.00% |
| HEATHER D SWANSON3 | 115 SE BAYTREE DR WAUKEE, IA 50263 | AFLAC | $0 | — | $0 | 0.00% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 11.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | FIRST UNUM LIFE INSURANCE COMPANY | $667 | $534 | $1K | 9.00% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 258 | $3.1M |
| Dental | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 286 | $175K |
| Vision | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 286 | $175K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 397 | $105K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 161 | $105K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 161 | $105K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 258 | $3.1M |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 397 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.