| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $109K | $0 | $109K | 3.12% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $8K | $26K | 12.34% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $8K | 8.37% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.55% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $843 | $843 | 0.84% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| JENNIFER DICK3 | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $663 | $0 | $663 | 3.71% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $424 | $0 | $424 | 2.37% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 N FRANKLIN ST STE 20 SYRACUSE, NY 13204 | AFLAC | $379 | $0 | $379 | 2.12% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $291 | $0 | $291 | 1.63% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $99 | $0 | $99 | 0.55% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | AFLAC | $90 | $0 | $90 | 0.50% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $60 | $0 | $60 | 0.34% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $38 | $0 | $38 | 0.21% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $26 | $0 | $26 | 0.15% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $21 | $0 | $21 | 0.12% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $17 | $0 | $17 | 0.10% |
| JAMI DELUCA3 | 249 WARD ST WATERTOWN, NY 13601 | AFLAC | $694 | $0 | $694 | 3.96% |
| JOHANNA R GRIFFIN3 | 341 WOODFORD DR MILLBROOK, AL 36054 | AFLAC | $610 | $0 | $610 | 3.48% |
| CORY D NELSON3 | 215 HIGHWAY 965 NE STE 3 NORTH LIBERTY, IA 52317 | AFLAC | $229 | $0 | $229 | 1.31% |
| MISSY A ARENHOLZ3 | 403 W PROSPECT ST BOX 712 SHELL ROCK, IA 50670 | AFLAC | $207 | $0 | $207 | 1.18% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $195 | $0 | $195 | 1.11% |
| ANDREW THOMAS3 Filed as: ANDREW C THOMAS | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $168 | $0 | $168 | 0.96% |
| LORA CLARIDY3 | 183 CASHION AVE WETUMPKA, AL 36092 | AFLAC | $98 | $0 | $98 | 0.56% |
| JENNIFER DICK3 Filed as: JENNIFER M DICK | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $94 | $0 | $94 | 0.54% |
| CHAMCO LLC3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $87 | $0 | $87 | 0.50% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $82 | $0 | $82 | 0.47% |
| TYSON J BURTON3 | 200 STATE ST STE 202Y CEDAR FALLS, IA 50613 | AFLAC | $70 | $0 | $70 | 0.40% |
| THE HORTON GROUP3 Filed as: MEGHAN HORTON BOWEN | 431 PARKERSONS WAY AUBURN, AL 36832 | AFLAC | $67 | $0 | $67 | 0.38% |
| KEITH LIN BELICH3 | 8408 TIMBER CREEK DR PIKE ROAD, AL 36064 | AFLAC | $42 | $0 | $42 | 0.24% |
| MARC W WHITE3 | 2601 COVEY CT CEDAR FALLS, IA 50613 | AFLAC | $34 | $0 | $34 | 0.19% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $30 | $0 | $30 | 0.17% |
| JOHN J MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $29 | $0 | $29 | 0.17% |
| JOSHUA D TERRELL3 | 812 VENETIAN ISLES DR APT 1 LAKE PARK, FL 33043 | AFLAC | $13 | $0 | $13 | 0.07% |
| ERIC JASON WILLIAMS3 | 2907 DALLAS DR CEDAR FALLS, IA 50613 | AFLAC | $12 | $0 | $12 | 0.07% |
| JENNIFER E MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $11 | $0 | $11 | 0.06% |
| TAMMY HALLMAN STARNES3 | 1707 TWELVE OAKS LN PRATTVILLE, AL 36066 | AFLAC | $9 | $0 | $9 | 0.05% |
| KEVIN CURTIS3 | 1712 19TH ST STE 208 BAKERSFIELD, CA 93301 | AFLAC | $6 | $0 | $6 | 0.03% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $6 | $0 | $6 | 0.03% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $5 | $0 | $5 | 0.03% |
| SCOTT R FRITCHER3 | 212 NW SUNSET LN GRIMES, IA 50111 | AFLAC | $5 | $0 | $5 | 0.03% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $4 | $0 | $4 | 0.02% |
| KEVIN CURTIS3 | PO BOX 11185 RENO, NV 89510 | AFLAC | $4 | $0 | $4 | 0.02% |
| MATTHEW D BUTLER3 | 1298 BUCKHORN WAY LOUDON, TN 37774 | AFLAC | $3 | $0 | $3 | 0.02% |
| KEVIN CURTIS3 | 1712 19TH ST # 208 BAKERSFIELD, CA 93301 | AFLAC | $3 | $0 | $3 | 0.02% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 229 MCKAYS POINT PL WEST SACRAMENTO, CA 95605 | AFLAC | $2 | $0 | $2 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $2 | $0 | $2 | 0.01% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $2 | $0 | $2 | 0.01% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $2 | $0 | $2 | 0.01% |
| LORA CARNES3 | 300 E 2ND ST STE 1320 RENO, NV 89501 | AFLAC | $1 | $0 | $1 | 0.01% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $709 | $0 | $709 | 10.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $323 | $0 | $323 | 5.01% |
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 | 245 | $3.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $210K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $210K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 393 | $100K |
| Short-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 131 | $119K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 158 | $50K |
| Other(4 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 526 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.