| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMCO, INC.3 Filed as: POMCO INC | 2425 JAMES ST SYRACUSE, NY 13206 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY | $27K | — | $27K | 11.23% |
| UPSTATE FINANCIAL SERVICES3 | 2105 WEST GENESEE STREET SYRACUSE, NY 13219 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY | $3K | — | $3K | 1.33% |
| POMCO, INC.3 Filed as: POMCO | 2425 JAMES ST SYRACUSE, NY 13206 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | $3K | $7K | 4.11% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $145 | — | $145 | 0.08% |
| POMCO, INC.3 Filed as: POMCO | 2425 JAMES ST SYRACUSE, NY 13206 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $2K | $8K | 5.22% |
| POMCO, INC.3 Filed as: POMCO | 2425 JAMES ST SYRACUSE, NY 13206 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | $1K | $5K | 6.30% |
| POMCO, INC.3 Filed as: POMCO INC | 2425 JAMES STREET SYRACUSE, NY 13206 | DAVIS VISION, INC. | $2K | — | $2K | 5.87% |
| POMCO, INC.3 Filed as: POMCO | 2425 JAMES ST SYRACUSE, NY 13206 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $213 | $2K | 11.95% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN | 116 HUNTINGTON AVE BOSTON, MA 02116 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $158 | — | $158 | 1.23% |
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 | 1,063 | 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) | 1,064 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DAVIS VISION, INC. | 803 | $27K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,625 | $171K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 95 | $78K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 412 | $149K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY | 585 | $240K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,042 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,625 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.