| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | $102K | — | $102K | 2.59% |
| PETER DERRENBACKER3 | 34 ASPEN PARK BLVD EAST SYRACUSE, NY 13057 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 1.68% |
| RP DODD GROUP INC3 | 34 ASPEN PARK BLVD EAST SYRACUSE, NY 13057 | NORTHWESTERN MUTUAL | $846 | $102 | $948 | 0.30% |
| ONEGROUP NY INC3 | 706 NORTH CLINTON ST ONEGROUP CENTER SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 6.10% |
| VANGUARD II INC3 Filed as: VANGUARD RISK MANAGERS INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 2.84% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | VISION SERVICE PLAN | $2K | — | $2K | 3.33% |
| ONEGROUP NY INC3 | 706 NORTH CLINTON ST ONEGROUP CENTER SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.23% |
| VANGUARD II INC3 Filed as: VANGUARD RISK MANAGERS INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.58% |
| GARY WELTMANN3 Filed as: GARY F. WELTMANN | P.O. BOX 59816 POTOMAC, MD 20859 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $16K | 33.22% |
| ANDREW THOMAS3 | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $1K | $117 | $2K | 5.87% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $695 | — | $695 | 2.58% |
| JOSEPH P CALARCO3 | PO BOX 130 63 GENESEE ST, STE 2 AUBURN, NY 13021 | AFLAC | $291 | $20 | $311 | 1.15% |
| JOSEPH P CALARCO3 | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $196 | $3 | $199 | 0.74% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $169 | $23 | $192 | 0.71% |
| MARA ANNE GILLANI3 | 2848 N MYERS ST BURBANK, CA 91504 | AFLAC | $139 | — | $139 | 0.52% |
| JENNIFER DICK3 | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $131 | — | $131 | 0.49% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $92 | — | $92 | 0.34% |
| GIBIDES INC3 | 7200 CANAAN LN APT 110 RALEIGH, NC 27615 | AFLAC | $77 | — | $77 | 0.29% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $24 | — | $24 | 0.09% |
| AMERICU SERVICES LLC3 | 1916 BLACK RIVER BLVD N ROME, NY 13440 | AFLAC | $21 | — | $21 | 0.08% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $13 | — | $13 | 0.05% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $12 | — | $12 | 0.04% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $6 | — | $6 | 0.02% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $4 | — | $4 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NC 12065 | AFLAC | $2 | — | $2 | 0.01% |
| ZACHARY T VICKERS3 | 8042 PHILLIPS RD ROME, NY 13440 | 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% |
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 | 435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 322 | $4.1M |
| Vision | VISION SERVICE PLAN | 307 | $61K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 433 | $214K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $55K |
| Long-term disability | NORTHWESTERN MUTUAL | 429 | $315K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 322 | $4.1M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 433 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.