| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 28 S VINE ST HAZLETON, PA 18201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 12.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.67% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.91% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 8.20% |
| ONEGROUP NY INC3 | 28 S VINE ST HAZLETON, PA 18201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.07% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $983 | $12K | 21.85% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON ST SYRACUSE, NY 13204 | VISION SERVICE PLAN | $2K | — | $2K | 3.88% |
| ONEGROUP NY INC3 | 28 S VINE ST HAZLETON, PA 182016248 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.85% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $973 | $973 | 2.50% |
| ONEGROUP NY INC3 | 28 S VINE ST HAZLETON, PA 18201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATGES LL | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $322 | $322 | 1.61% |
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 | 263 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 263 | $46K |
| Life insurance(4 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $202K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 261 | $68K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.