| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $145K | $145K | 3.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INERNATIONAL NORTHEAST | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $43K | $43K | 1.18% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $24K | $0 | $24K | 11.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $8K | $0 | $8K | 3.84% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $4K | $0 | $4K | 2.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $1K | $0 | $1K | 0.77% |
| ERIC T FREEDMAN3 Filed as: ERIC T. FREEDMAN | 23061 VIA STEEL BOCA RATON, FL 33433 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.55% |
| BOBUD ASSOCIATES INC3 | 21 STONY GATE OVAL NEW ROCHELLE, NY 10804 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.97% |
| MICHAEL S SCHWARTZ4 Filed as: MICHAEL S. SCHWARTZ | 34 DRYDEN ROAD NEW CASTLE, DE 19720 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $183 | $0 | $183 | 4.50% |
| ANGEL L PINEIRO JR4 Filed as: ANGEL L. PINEIRO JR | 4 WHIPPOORWILL DRIVE SAYLORSBURG, PA 18353 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $148 | $0 | $148 | 3.64% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2 | $0 | $2 | — |
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 | 513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 477 | $3.9M |
| Dental | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | 0 | $0 |
| Vision | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 513 | $244K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 513 | $214K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 513 | $214K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 477 | $3.9M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 513 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.