| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $132K | $132K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $53K | $53K | 2.00% |
| ONEGROUP NY INC3 | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $0 | $11K | 9.89% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, STE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $5K | $5K | 4.11% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $13K | $0 | $13K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | $3K | $5K | 5.42% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $8K | $0 | $8K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | $2K | $3K | 5.52% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $5K | $0 | $5K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $851 | $1K | $2K | 5.55% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $692 | $0 | $692 | 14.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $106 | $152 | $258 | 5.59% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 145 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 149 | $110K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 149 | $110K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 115 | $37K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 179 | $89K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 179 | $53K |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 102 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
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.