| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $268 | $141 | $409 | 0.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI FLORIDA | UNKNOWN NORWALK, CT 06855 | AETNA LIFE INSURANCE CO. | — | $83 | $83 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $954 | $13K | 20.69% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 19.21% |
| 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 | 14.04% |
| JAMES S BURNS3 | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $1K | $16 | $1K | 3.75% |
| MJ INSURANCE3 Filed as: JUSTIN GRIFFEY & VARIOUS AGENTS | 444 ONCREST TER CLIFFSIDE PARK, NJ 07010 | AFLAC | $575 | $7 | $582 | 2.04% |
| NANCY A WASSERMAN3 | 2822 STURGES HWY WESTPORT, CT 06880 | AFLAC | $554 | — | $554 | 1.95% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG RD SHELTON, CT 06484 | AFLAC | $266 | — | $266 | 0.93% |
| JEFFREY R WHITE3 | PO BOX 5004 MANCHESTER, NH 03108 | AFLAC | $219 | — | $219 | 0.77% |
| CHRISTOPHER S AUSTERMANN3 | 148 EASTERN BLVD GLASTONBURY, CT 06033 | AFLAC | $194 | — | $194 | 0.68% |
| MICHAEL R. BONAMARTE3 Filed as: MICHAEL R BONAMARTE | 24 LONGVIEW DR BROOKFIELD, CT 06804 | AFLAC | $167 | — | $167 | 0.59% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | HEARTLAND | $811 | — | $811 | 14.99% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $6 | — | $6 | 2.69% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $4 | — | $4 | 1.79% |
| DEBORAH POPPERT3 | 1762 MIDDLETOWN RD GLEN MILLS, PA 19342 | AFLAC | $3 | — | $3 | 1.35% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 27 JENNIE LN WESTPORT, CT 06880 | AFLAC | $2 | — | $2 | 0.90% |
| DARLENE S DILLON3 | 293 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $1 | — | $1 | 0.45% |
| MJ INSURANCE3 Filed as: MATTHEW G BERGER & VARIOUS AGENTS | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $1 | — | $1 | 0.45% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 186 | $1.5M |
| Vision | HEARTLAND | 136 | $5K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 166 | $106K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $31K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 166 | $106K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 166 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.