| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | $17K | $2K | $20K | 11.29% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $422 | $6K | 18.95% |
| MJ INSURANCE3 Filed as: YANIRA TEITELBAUM & VARIOUS AGENTS | 3903 W SAN CARLOS ST TAMPA, FL 33629 | AFLAC | $1K | — | $1K | 6.14% |
| KRISTEN PARZIANO3 | 15 10TH ST STATEN ISLAND, NY 10306 | AFLAC | $570 | — | $570 | 2.83% |
| MICHAEL S TEITELBAUM3 | 76 WATERMAN AVE RUMSON, NJ 07760 | AFLAC | $472 | — | $472 | 2.34% |
| MICHAEL S TEITELBAUM3 | 3903 W SAN CARLOS ST TAMPA, FL 33629 | AFLAC | $361 | — | $361 | 1.79% |
| YANIRA TEITELBAUM3 | 76 WATERMAN AVE RUMSON, NJ 07760 | AFLAC | $315 | — | $315 | 1.56% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $198 | — | $198 | 0.98% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 205 OLD TOWN RD STATEN ISLAND, NY 10305 | AFLAC | $182 | — | $182 | 0.90% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | 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 | 143 | $52K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $32K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 144 | $175K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 144 | $175K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 144 | $175K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 144 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.