| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWKY W, VEVA 16 STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | HM LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 9.78% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 8.95% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 9.39% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1060 BROADWAY STE 400 ALBANY, NY 12204 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 5.22% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | HARTFORD LIFE AND ACCIDENT | -$3 | — | -$3 | -0.01% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 765 | $69K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 56 | $150K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 68 | $116K |
| Other | HARTFORD LIFE AND ACCIDENT | 83 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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.