| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | FIRST UNUM LIFE INSURANCE COMPANY | $15K | $2K | $17K | 10.62% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIR STE 100 MT LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 18.29% |
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL S. TEITELBAUM | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $1K | — | $1K | 6.75% |
| MJ INSURANCE3 Filed as: TREVOR FENNELL AND VARIOUS AGENTS | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $650 | — | $650 | 3.74% |
| YANIRA TEITELBAUM3 | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $496 | — | $496 | 2.86% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $294 | — | $294 | 1.69% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 205 OLD TOWN ROAD STATEN ISLAND, NY 10305 | AFLAC | $225 | — | $225 | 1.30% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $136 | — | $136 | 0.78% |
| SHEILA MARIE CHESTERMAN3 | 95 VIRGINIA STREET TAPPAN, NY 10983 | AFLAC | $105 | — | $105 | 0.60% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $28K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $28K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 131 | $162K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 131 | $162K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 131 | $162K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 131 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.