| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $5K | $86 | $5K | 0.31% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE COMPANY | $308 | $0 | $308 | 0.02% |
| 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 | $895 | $13K | 20.56% |
| JAMES S BURNS3 Filed as: JAMES S. BURNS | 11 OVERHILL ROAD FAIRFIELD, CT 06824 | AFLAC | $1K | $0 | $1K | 3.73% |
| MJ INSURANCE3 Filed as: JUSTIN GRIFFEY AND VARIOUS AGENTS | 535 CONNECTICUT AVENUE, SUITE 103 NORWALK, CT 06854 | AFLAC | $1K | $0 | $1K | 3.37% |
| NANCY A WASSERMAN3 Filed as: NANCY A. WASSERMAN | 2822 STURGES HIGHWAY WESTPORT, CT 06880 | AFLAC | $760 | $0 | $760 | 2.30% |
| JAMES S BURNS3 Filed as: JAMES S. BURNS | PO BOX 1079 SOUTHPORT, CT 06890 | AFLAC | $689 | $0 | $689 | 2.08% |
| JEFFREY R WHITE3 Filed as: JEFFREY R. WHITE | PO BOX 5004 MANCHESTER, NH 03108 | AFLAC | $346 | $0 | $346 | 1.05% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 100 MILL PLAIN ROAD, SUITE 322 DANBURY, CT 06811 | AFLAC | $268 | $0 | $268 | 0.81% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG ROAD SHELTON, CT 06484 | AFLAC | $258 | $0 | $258 | 0.78% |
| WARNER REUBEN ASSOCIATES, INC.3 Filed as: WARNER REUBEN ASSOC. INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.90% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | HEARTLAND | $447 | $0 | $447 | 14.99% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 RIVERSIDE DRIVE, SUITE 200 CAMDEN, NJ 08103 | AFLAC | $6 | $0 | $6 | 2.46% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | PO BOX 1079 SOUTHPORT, CT 06890 | AFLAC | $5 | $0 | $5 | 2.05% |
| DEBORAH POPPERT3 | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $3 | $0 | $3 | 1.23% |
| MJ INSURANCE3 Filed as: DARLENE DILLON AND VARIOUS AGENTS | 282 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $3 | $0 | $3 | 1.23% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $2 | $0 | $2 | 0.82% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 255 | $1.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 255 | $1.7M |
| Vision | HEARTLAND | 74 | $3K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 168 | $62K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 168 | $62K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 255 | $1.7M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 168 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.