| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $18K | $0 | $18K | 3.41% |
| BDS CORP OF CNY INC.3 Filed as: BDS CORP OF CNY | 5015 CAMPUSWOOD DR., SUITE 204 SYRACUSE, NY 13057 | EXCELLUS BLUE CROSS BLUE SHIELD | $7K | $0 | $7K | 1.43% |
| BDS CORP OF CNY INC.3 Filed as: BDS CORP OF CNY | 5015 CAMPUSWOOD DR STE 105 EAST SYRACUSE, NY 13057 | HARTFORD LIFE AND ACCIDENT | $868 | $0 | $868 | 7.63% |
| ONE GROUP NY INC3 Filed as: ONE GROUP NY INC. | 706 W CLINTON STREET SYRACUSE, NY 13204 | HARTFORD LIFE AND ACCIDENT | $686 | $0 | $686 | 6.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | HARTFORD LIFE AND ACCIDENT | $203 | $0 | $203 | 1.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 NONE | Claims processing Service code 12 | — | $2K |
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 | 354 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 61 | $521K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 354 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.