| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 0.48% |
| SECURE SOLUTION ASSOCIATES LLC3 | 20 RUE BEAU RIVAGE LAVONIA, GA 30553 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.68% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $135 | — | $135 | 0.23% |
| NICHOLAS J DELIA3 | 165 ARMSTRONG RD SYRACUSE, NY 13209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.13% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.09% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS RD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.06% |
| WAYNE SCHUTT3 | 66 HAMLIN STREET CORTLAND, NY 13045 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| STEVEN C ELLIOTT3 | 800 STARBUCK AVE WATERTOWN, NY 13601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| SECURE SOLUTION ASSOCIATES LLC3 | 20 RUE BEAU RIVAGE LAVONIA, GA 30553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | — | $297 | 3.18% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 2.02% |
| JEFFREY GREENBLOTT3 | 609 EAST MAIN STREET ENDICOTT, NY 13770 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.42% |
| DONALD H MATSON3 | 8 ROSEWOOD DRIVE AUBURN, NY 13021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.22% |
| NICHOLAS J DELIA3 | 165 ARMSTRONG RD SYRACUSE, NY 13209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.16% |
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 | 2,766 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 287 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,053 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,022 | $751K |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 2,568 | $1.2M |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 2,568 | $1.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 3,022 | $818K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,022 | — |
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."
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.