| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON ST SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $98K | — | $98K | 2.64% |
| PETER DERRENBACKER3 | 34 ASPEN PARK BLVD E SYRACUSE, NY 13057 | NORTHWESTERN MUTUAL | $7K | $2K | $9K | 2.97% |
| RP DODD GROUP INC3 | 34 ASPEN PARK BLVD E SYRACUSE, NY 13057 | NORTHWESTERN MUTUAL | $1K | $167 | $2K | 0.53% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC | 706 N CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | — | $6K | 3.30% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 ROUTE 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $4K | $8K | $12K | 7.45% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON ST SYRACUSE, NY 13204 | VISION SERVICE PLAN | $2K | — | $2K | 3.43% |
| GARY WELTMANN3 Filed as: GARY F. WELTMANN | P.O. BOX 59816 POTOMAC, MD 20859 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $10K | 24.48% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $1K | $22 | $1K | 5.60% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $606 | — | $606 | 2.89% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $416 | $4 | $420 | 2.00% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $205 | $4 | $209 | 1.00% |
| JENNIFER DICK3 | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $120 | — | $120 | 0.57% |
| MARA ANNE GILLANI3 | 2848 N MYERS ST BURBANK, CA 91504 | AFLAC | $97 | — | $97 | 0.46% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $67 | — | $67 | 0.32% |
| GIBIDES INC3 | 7200 CANAAN LN APT 110 RALEIGH, NC 27615 | AFLAC | $63 | — | $63 | 0.30% |
| AMERICU SERVICES LLC3 | 1916 BLACK RIVER BLVD N ROME, NY 13440 | AFLAC | $19 | — | $19 | 0.09% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $18 | — | $18 | 0.09% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $12 | — | $12 | 0.06% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $9 | — | $9 | 0.04% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $8 | — | $8 | 0.04% |
| THE BERT COMPANY3 | 800 STATE ST STE 500 ERIE, PA 16501 | AFLAC | $2 | — | $2 | 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% |
| MICHAEL P FARLEY3 | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $2 | — | $2 | 0.01% |
| 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% |
| GREGORY A KRAUZA3 | 35 E MAIN ST STE 2 FREDONIA, NY 14063 | AFLAC | $0 | — | $0 | 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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 298 | $3.9M |
| Vision | VISION SERVICE PLAN | 289 | $58K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 398 | $164K |
| Long-term disability | NORTHWESTERN MUTUAL | 392 | $293K |
| Prescription drug(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 298 | $3.9M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 398 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.