| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 61 SOUTH PARAMUS ROAD, 4TH FLOOR PARAMUS, NJ 07652 | AETNA LIFE INSURANCE COMPANY | — | $91 | $91 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 6.48% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 19.12% |
| NANCY A WASSERMAN3 Filed as: NANCY WASSERMAN | 2822 STURGES HIGHWAY WESTPORT, CT 06880 | AFLAC | $1K | $61 | $1K | 4.42% |
| MJ INSURANCE3 Filed as: JONATHAN BURGESS AND VARIOUS AGENTS | 31 NATHAN CUTLER DRIVE BEDFORD, NH 03110 | AFLAC | $732 | $75 | $807 | 2.72% |
| JEFFREY WHITE3 | PO BOX 5004 MANCHESTER, NH 03108 | AFLAC | $669 | $98 | $767 | 2.58% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | PO BOX 1079 SOUTHPORT, CT 06890 | AFLAC | $455 | — | $455 | 1.53% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $367 | — | $367 | 1.24% |
| MICHAEL R. BONAMARTE3 Filed as: MICHAEL BONAMARTE | 22 BAYVIEW DRIVE BROOKFIELD, CT 06804 | AFLAC | $192 | — | $192 | 0.65% |
| THOMAS JOHN KELLY3 Filed as: THOMAS KELLY | 417 OCEAN BOULEVARD HAMPTON, NH 03842 | AFLAC | $143 | $20 | $163 | 0.55% |
| WARNER REUBEN ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $480 | $4K | 17.02% |
| WARNER REUBEN ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $865 | — | $865 | 15.00% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 156 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $101K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 166 | $60K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 166 | $60K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 156 | $1.4M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 166 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.