| 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 | $116K | — | $116K | 2.36% |
| PETER DERRENBACKER3 | 34 ASPEN PARK BLVD E SYRACUSE, NY 13057 | NORTHWESTERN MUTUAL | $8K | $2K | $9K | 2.81% |
| RP DODD GROUP INC3 | 34 ASPEN PARK BLVD E SYRACUSE, NY 13057 | NORTHWESTERN MUTUAL | $2K | $181 | $2K | 0.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $4K | $12K | $16K | 8.21% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC | 706 N CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | — | $6K | 3.13% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON ST SYRACUSE, NY 13204 | VISION SERVICE PLAN | $2K | — | $2K | 3.59% |
| GARY WELTMANN3 Filed as: GARY F. WELTMANN | P.O. BOX 59816 POTOMAC, MD 20859 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 28.35% |
| ANDREW THOMAS3 | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $1K | $71 | $1K | 5.11% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $550 | — | $550 | 2.31% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $410 | $17 | $427 | 1.80% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $229 | $17 | $246 | 1.04% |
| JENNIFER DICK3 | 891 BABCOCK LAKE RD PETERSBURG, NY 12138 | AFLAC | $131 | — | $131 | 0.55% |
| S BEIN INC3 | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $94 | — | $94 | 0.40% |
| MARA ANNE GILLANI3 | 2848 N MYERS ST BURBANK, CA 91504 | AFLAC | $72 | — | $72 | 0.30% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $47 | — | $47 | 0.20% |
| GIBIDES INC3 | PO BOX 331 ROYERSFORD, PA 19468 | AFLAC | $33 | — | $33 | 0.14% |
| JM BRASSILL GROUP INC3 | 1 HUNTINGTON QUAD STE 1S07 MELVILLE, NY 11747 | AFLAC | $33 | — | $33 | 0.14% |
| THE BERT COMPANY3 | 800 STATE ST STE 500 ERIE, PA 16501 | AFLAC | $29 | — | $29 | 0.12% |
| MICHAEL P FARLEY3 | 5586 MAIN ST STE 209 WILLIAMSVILLE, NY 14221 | AFLAC | $24 | — | $24 | 0.10% |
| DAVID GIBIDES3 | 2305 LIBERTY CT NORRISTOWN, PA 19403 | AFLAC | $24 | — | $24 | 0.10% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $22 | — | $22 | 0.09% |
| BANC INSURANCE AGENCY INC3 | 1 HARTFIELD BLVD STE 301 EAST WINDSOR, CT 06088 | AFLAC | $21 | — | $21 | 0.09% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $16 | — | $16 | 0.07% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $14 | — | $14 | 0.06% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $10 | — | $10 | 0.04% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $8 | — | $8 | 0.03% |
| GREGORY A KRAUZA3 | 35 E MAIN ST STE 2 FREDONIA, NY 14063 | AFLAC | $4 | — | $4 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NC 12065 | AFLAC | $2 | — | $2 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | 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% |
| DAVID B PERLEE3 | 1989 NEPTUNE DR ENGLEWOOD, FL 34223 | AFLAC | $1 | — | $1 | 0.00% |
| ANDREW THOMAS3 Filed as: ANDREW C THOMAS | 101 OLD CVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $361 | $5 | $366 | 12.81% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $96 | $1 | $97 | 3.39% |
| ROGERS BENEFIT GROUP INC3 Filed as: MELANIE MARIE ROGERS | 14027 DANPARK LOOP FORT MYERS, FL 33912 | AFLAC | $83 | — | $83 | 2.90% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $74 | $1 | $75 | 2.62% |
| JAMIE HARTT3 | 29323 PELICAN DR PUNTA GORDA, FL 33982 | AFLAC | $12 | — | $12 | 0.42% |
| KELLY A IRVINE3 Filed as: KELLY ANN IRVINE | 15801 WHITE ORCHID LN FORT MEYERS, FL 33908 | 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 | 479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 337 | $5.1M |
| Vision | VISION SERVICE PLAN | 290 | $53K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 467 | $234K |
| Long-term disability | NORTHWESTERN MUTUAL | 428 | $337K |
| Prescription drug(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 337 | $5.1M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 467 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.