| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | $107K | — | $107K | 2.48% |
| PETER DERRENBACKER3 | 34 ASPEN PARK BLVD EAST SYRACUSE, NY 13057 | NORTHWESTERN MUTUAL | $9K | $2K | $12K | 4.73% |
| RP DODD GROUP INC3 | 34 ASPEN PARK BLVD EAST SYRACUSE, NY 13057 | NORTHWESTERN MUTUAL | $2K | $224 | $2K | 0.85% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET SYRACUSE, NM 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 6.76% |
| NATIONAL BENEFITS CENTER LLC3 | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $212 | — | $212 | 0.11% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | VISION SERVICE PLAN | $2K | — | $2K | 3.23% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.63% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.04% |
| GARY WELTMANN3 Filed as: GARY F. WELTMANN | P.O. BOX 59816 POTOMAC, MD 20859 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $12K | 29.55% |
| ANDREW THOMAS3 | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $2K | $21 | $2K | 6.60% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $1K | — | $1K | 3.33% |
| JOSEPH P CALARCO3 | PO BOX 130 63 GENESEE ST, STE 2 AUBURN, NY 13021 | AFLAC | $411 | — | $411 | 1.29% |
| JOSEPH P CALARCO3 | 63 GENESEE ST, STE 2 P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $205 | $4 | $209 | 0.66% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $187 | $4 | $191 | 0.60% |
| MARA ANNE GILLANI3 | 2848 N MYERS ST BURBANK, CA 91504 | AFLAC | $167 | — | $167 | 0.53% |
| JENNIFER DICK3 | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $132 | — | $132 | 0.42% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $113 | — | $113 | 0.36% |
| GIBIDES INC3 | 7200 CANAAN LN APT 110 RALEIGH, NC 27615 | AFLAC | $92 | — | $92 | 0.29% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $30 | — | $30 | 0.09% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $21 | — | $21 | 0.07% |
| AMERICU SERVICES LLC3 | 1916 BLACK RIVER BLVD N ROME, NY 13440 | AFLAC | $21 | — | $21 | 0.07% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $15 | — | $15 | 0.05% |
| ZACHARY T VICKERS3 | 8042 PHILLIPS RD ROME, NY 13440 | AFLAC | $14 | — | $14 | 0.04% |
| THE WLADIS GEORGE L COMPANY INC3 | 528 PLUM ST STE 250 SYRACUSE, NY 13204 | AFLAC | $10 | — | $10 | 0.03% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $4 | — | $4 | 0.01% |
| STEPHANIE MINER3 | 4450 WEDGE DR PFAFFTOWN, NC 27040 | AFLAC | $4 | — | $4 | 0.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NC 12065 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $1 | — | $1 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $1 | — | $1 | 0.00% |
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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 334 | $4.5M |
| Vision | VISION SERVICE PLAN | 310 | $64K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 444 | $193K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 305 | $50K |
| Long-term disability | NORTHWESTERN MUTUAL | 442 | $247K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 334 | $4.5M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 444 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.