| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BPAS ACTUARIAL AND PENSION SERVICES3 | 706 N. CLINTON STREET SYRACUSE, NY 13204 | METROPOLITAN GENERAL INSURANCE COMPANY | $52K | — | $52K | 8.23% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | ONE GROUP CENTER 706 N. CLINTON STREET SYRACUSE, NY 13204 | METROPOLITAN GENERAL INSURANCE COMPANY | $9K | — | $9K | 1.46% |
| ONEIDA ASSOC DBA BAILEY & HASKALL3 | 5232 WITZ DRIVE NORTH SYRACUSE, NY 13212 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $8 | $8 | 0.00% |
| CHRISTINE M. MCCULLUGH3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $16K | — | $16K | 15.72% |
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 | 14,450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 134 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC | 204 | $2.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 20,292 | $3.7M |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 441 | $607K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 14,009 | $3.3M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC | 204 | $2.2M |
| Other(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 20,292 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,292 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.