| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $5K | $43 | $6K | 0.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI FLORIDA | UNKNOWN NORWALK, CT 06855 | AETNA LIFE INSURANCE CO. | — | $49 | $49 | 0.00% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $938 | $13K | 20.61% |
| JAMES S BURNS3 | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $1K | $43 | $1K | 3.48% |
| NANCY A WASSERMAN3 | 2822 STURGES HWY WESTPORT, CT 06880 | AFLAC | $679 | — | $679 | 2.16% |
| MJ INSURANCE3 Filed as: JUSTIN GRIFFEY&VARIOUS AGENTS | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $550 | $17 | $567 | 1.81% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG RD SHELTON, CT 06484 | AFLAC | $316 | — | $316 | 1.01% |
| CHRISTOPHER S AUSTERMANN3 | 148 EASTERN BLVD GLASTONBURY, CT 06033 | AFLAC | $221 | — | $221 | 0.70% |
| MICHAEL R. BONAMARTE3 Filed as: MICHAEL R BONAMARTE | 24 LONGVIEW DR BROOKFIELD, CT 06804 | AFLAC | $191 | — | $191 | 0.61% |
| JEFFREY R WHITE3 | PO BOX 5004 MANCHESTER, NH 03108 | AFLAC | $164 | — | $164 | 0.52% |
| 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. | $4K | — | $4K | 14.21% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | HEARTLAND | $571 | — | $571 | 14.99% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $6 | — | $6 | 2.46% |
| DEBORAH POPPERT3 | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $3 | — | $3 | 1.23% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $3 | — | $3 | 1.23% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 27 JENNIE LN WESTPORT, CT 06880 | AFLAC | $2 | — | $2 | 0.82% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | PO BOX 1079 SOUTHPORT, CT 06890 | AFLAC | $2 | — | $2 | 0.82% |
| DARLENE S DILLON3 | 293 SHELL RD CARNEYS POINT, NJ 08096 | AFLAC | $1 | — | $1 | 0.41% |
| MJ INSURANCE3 Filed as: MATTHEW G BERGER&VARIOUS AGENTS | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $1 | — | $1 | 0.41% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 236 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO. | 236 | $1.8M |
| Vision | HEARTLAND | 95 | $4K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 168 | $64K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | 175 | $29K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 168 | $64K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 236 | $1.8M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 168 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.