| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | $16K | $2K | $18K | 8.72% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 22.22% |
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL TEITELBAUM | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $538 | $138 | $676 | 3.87% |
| SHEILA MARIE CHESTERMAN3 Filed as: SHEILA CHESTERMAN AND OTHER AGENTS | 95 VIRGINIA STREET TAPPAN, NY 10983 | AFLAC | $543 | — | $543 | 3.11% |
| YANIRA TEITELBAUM3 | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $482 | — | $482 | 2.76% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $209 | $28 | $237 | 1.36% |
| ANTHONY LIBECCI3 | 205 OLD TOWN ROAD STATEN ISLAND, NY 10305 | AFLAC | $117 | $28 | $145 | 0.83% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 PARK AVENUE FLOOR 24 NEW YORK, NY 10016 | AFLAC | $137 | — | $137 | 0.78% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $136 | — | $136 | 0.78% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $46K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $28K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 143 | $206K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 143 | $206K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 143 | $206K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 143 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.