| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 200 PARK AVENUE, 32ND FLOOR NEW YORK, NY 10166 | AETNA LIFE INSURANCE COMPANY | $558 | — | $558 | 0.04% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | AETNA LIFE INSURANCE COMPANY | -$345 | — | -$345 | -0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 19.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HIGHWAY SOUTH BUILDING II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $511 | $511 | 0.80% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MICHAEL R. BONAMARTE3 Filed as: MICHAEL R. BONAMARTE & OTHERS | 24 LONGVIEW DRIVE BROOKFIELD, CT 06804 | AFLAC | $647 | $0 | $647 | 2.41% |
| JAMES S BURNS3 Filed as: JAMES S. BURNS | 11 OVERHILL ROAD FAIRFIELD, CT 06824 | AFLAC | $616 | $0 | $616 | 2.29% |
| NANCY A WASSERMAN3 Filed as: NANCY A. WASSERMAN | 2 OLD TOWN HIGHWAY, UNIT 16 EAST HAVEN, CT 06512 | AFLAC | $441 | $0 | $441 | 1.64% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG ROAD SHELTON, CT 06484 | AFLAC | $230 | $0 | $230 | 0.86% |
| JEFFREY R WHITE3 Filed as: JEFFREY R. WHITE | PO BOX 5004 MANCHESTER, NH 03108 | AFLAC | $223 | $0 | $223 | 0.83% |
| SAMUEL TATUM3 | 152 HURLBUTT STREET WILTON, CT 06897 | AFLAC | $183 | $0 | $183 | 0.68% |
| MICHAEL R. BONAMARTE3 | 24 LONGVIEW DRIVE BROOKFIELD, CT 06804 | AFLAC | $144 | $0 | $144 | 0.54% |
| REUBEN WARNER ASSOCIATES, INC.3 | 300 CONNELL DRIVE, SUITE 1100 BERKELEY HEIGHTS, NJ 07922 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $883 | $0 | $883 | 11.65% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | HEARTLAND | $622 | $0 | $622 | 15.01% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 RIVERSIDE DRIVE, SUITE 200 CAMDEN, NJ 08103 | AFLAC | $6 | $0 | $6 | 2.46% |
| JAMES S BURNS3 Filed as: JAMES S. BURNS | 11 OVERHILL ROAD FAIRFIELD, CT 06824 | AFLAC | $5 | $0 | $5 | 2.05% |
| DEBORAH POPPERT3 | 1756 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $3 | $0 | $3 | 1.23% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 11 EVERGREEN AVENUE WESTPORT, CT 06880 | AFLAC | $2 | $0 | $2 | 0.82% |
| DARLENE S DILLON3 Filed as: DARLENE S. DILLON | 120 WOODSIDE ROAD LEXINGTON, SC 29072 | AFLAC | $1 | $0 | $1 | 0.41% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN & OTHERS | 41 NEW LONDON TURNPIKE, SUITE B DANBURY, CT 06811 | AFLAC | $1 | $0 | $1 | 0.41% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 203 HAVERFORD AVENUE, SUITE 205 NARBERTH, PA 19072 | AFLAC | $0 | $0 | $0 | 0.00% |
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 | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 168 | $1.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 168 | $1.5M |
| Vision | HEARTLAND | 93 | $4K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $64K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10 | $8K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $64K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 168 | $1.5M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.