| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $16K | 22.94% |
| MICHAEL R. BONAMARTE3 Filed as: MICHAEL R BONAMARTE | AND VARIOUS AGENTS 24 LONGVIEW DR BROOKFIELD, CT 06804 | AFLAC | $932 | $28 | $960 | 2.92% |
| JAMES S BURNS3 | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $807 | $13 | $820 | 2.50% |
| SAMUEL TATUM3 | 152 HURLBUTT ST WILTON, CT 06897 | AFLAC | $693 | $55 | $748 | 2.28% |
| JEFFREY R WHITE3 | PO BOX 5004 MANCHESTER, NH 03108 | AFLAC | $518 | $59 | $577 | 1.76% |
| NANCY A WASSERMAN3 | 2 OLD TOWN HWY UNIT 16 EAST HAVEN, CT 06512 | AFLAC | $525 | — | $525 | 1.60% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG RD SHELTON, CT 06484 | AFLAC | $284 | — | $284 | 0.86% |
| JUSTIN GRIFFEY3 | 7 MICHELE DR CARLISLE, PA 17013 | AFLAC | $184 | $15 | $199 | 0.61% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 300 CONNELL DRIVE SUITE 1100 BERKELEY HEIGHTS, NJ 07922 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.32% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | HEARTLAND | $789 | — | $789 | 14.99% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $6 | — | $6 | 2.46% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $5 | — | $5 | 2.05% |
| DEBORAH POPPERT3 | 1762 MIDDLETOWN RD GLEN MILLS, PA 19342 | AFLAC | $3 | — | $3 | 1.23% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 11 EVERGREEN AVE WESTPORT, CT 06880 | AFLAC | $2 | — | $2 | 0.82% |
| DARLENE S DILLON3 | 120 WOODSIDE RD LEXINGTON, SC 29072 | AFLAC | $1 | — | $1 | 0.41% |
| MATTHEW G BERGER3 | AND 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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 171 | $1.5M |
| Vision | HEARTLAND | 127 | $5K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 158 | $69K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 18 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 158 | $69K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 158 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.