| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | HARTFORD LIFE AND ACCIDENT | $0 | $8K | $8K | 1.28% |
| SECURE SOLUTION ASSOCIATES LLC3 | 20 RUE BEAU RIVAGE LAVONIA, GA 30553 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.16% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.53% |
| NICK DELIA3 | 4142 OGLETOWN STANTON RD NEWARK, DE 19713 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.39% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $127 | $4 | $131 | 0.18% |
| STEVEN C ELLIOTT3 | 800 STARBUCK AVE WATERTOWN, NY 13601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.09% |
| SECURE SOLUTION ASSOCIATES LLC3 | 20 RUE BEAU RIVAGE LAVONIA, GA 30553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $350 | — | $350 | 2.82% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 1.59% |
| NICK DELIA3 | 4142 OGLETOWN STANTON RD NEWARK, DE 19713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 1.56% |
| JEFFREY GREENBLOTT3 | 609 EAST MAIN STREET ENDICOTT, NY 13770 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.26% |
| DONALD H MATSON3 | 8 ROSEWOOD DRIVE AUBURN, NY 13021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.20% |
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 | 2,576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 343 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,919 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,845 | $611K |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 2,431 | $811K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 2,431 | $811K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,845 | $696K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,845 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.