| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC | 706 N CLINTON ST SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $92K | — | $92K | 2.80% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN STREET SUITE 20 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $4 | — | $4 | 0.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | GUARDIAN | $16K | — | $16K | 8.35% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.03% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| JENNIFER DICK3 | 891 BABCOCK LAKE ROAD PETERSBURG, NY 12138 | AFLAC | $874 | — | $874 | 3.62% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $612 | — | $612 | 2.54% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 N FRANKLIN ST STE 20 SYRACUSE, NY 13204 | AFLAC | $519 | — | $519 | 2.15% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $392 | — | $392 | 1.62% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $153 | — | $153 | 0.63% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | AFLAC | $97 | — | $97 | 0.40% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $78 | — | $78 | 0.32% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $56 | — | $56 | 0.23% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $35 | — | $35 | 0.15% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $27 | — | $27 | 0.11% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $18 | — | $18 | 0.07% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N. CLINTON STREET SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $897 | — | $897 | 5.00% |
| CORY D NELSON3 | 215 HIGHWAY 965 NE STE 3 NORTH LIBERTY, IA 52317 | AFLAC | $228 | — | $228 | 1.56% |
| MISSY A ARENHOLZ3 | 403 W PROSPECT ST BOX 712 SHELL ROCK, IA 50670 | AFLAC | $207 | — | $207 | 1.42% |
| ANDREW THOMAS3 Filed as: ANDREW C THOMAS | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $168 | — | $168 | 1.15% |
| JOHANNA R GRIFFIN3 | 341 WOODFORD DR MILLBROOK, AL 36054 | AFLAC | $118 | — | $118 | 0.81% |
| JENNIFER DICK3 Filed as: JENNIFER M DICK | 891 BABCOCK LAKE ROAD PETERSBURG, NY 12138 | AFLAC | $99 | — | $99 | 0.68% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $90 | — | $90 | 0.62% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $81 | — | $81 | 0.56% |
| TYSON J BURTON3 | 200 STATE ST STE 202Y CEDAR FALLS, IA 50613 | AFLAC | $70 | — | $70 | 0.48% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $63 | — | $63 | 0.43% |
| KEITH LIN BELICH3 | 8408 TIMBER CREEK DR PIKE ROAD, AL 36064 | AFLAC | $41 | — | $41 | 0.28% |
| JOHN J MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $40 | — | $40 | 0.27% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $31 | — | $31 | 0.21% |
| CHAMCO LLC3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $21 | — | $21 | 0.14% |
| TAMMY HALLMAN STARNES3 | 1707 TWELEVE OAKS LN PRATTVILLE, AL 36066 | AFLAC | $19 | — | $19 | 0.13% |
| KEVIN CURTIS3 | PO BOX 11185 STE 204 RENO, NV 89510 | AFLAC | $17 | — | $17 | 0.12% |
| JENNIFER E MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $15 | — | $15 | 0.10% |
| JOSHUA D TERRELL3 | 812 VENETIAN ISLES DR APT 1 LAKE PARK, FL 33403 | AFLAC | $13 | — | $13 | 0.09% |
| ERIC JASON WILLIAMS3 | 2907 DALLAS DR CEDAR FALLS, IA 50613 | AFLAC | $12 | — | $12 | 0.08% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $6 | — | $6 | 0.04% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $6 | — | $6 | 0.04% |
| MARC W WHITE3 Filed as: MARC C WHITE | 2601 COVEY CT CEDAR FALLS, IA 50613 | AFLAC | $6 | — | $6 | 0.04% |
| SCOTT R FRITCHER3 | 212 NW SUNSET LN GRIMES, IA 50111 | AFLAC | $5 | — | $5 | 0.03% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $4 | — | $4 | 0.03% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $3 | — | $3 | 0.02% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 229 MCKAYS POINT PL WEST SACRAMENTO, CA 95605 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $2 | — | $2 | 0.01% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.01% |
| LORA CARNES3 | 300 E 2ND ST STE 1320 RENO, NV 89501 | AFLAC | $1 | — | $1 | 0.01% |
| BERNARD 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 Filed as: ONEGROUP NY, INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $623 | — | $623 | 10.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $283 | — | $283 | 4.99% |
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 | 392 | 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) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 264 | $3.3M |
| Dental | GUARDIAN | 301 | $192K |
| Vision | GUARDIAN | 301 | $192K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 381 | $84K |
| Short-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 130 | $94K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 154 | $33K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 264 | $3.3M |
| Other(4 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 544 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.