| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE COMPANY | $4K | $75 | $4K | 0.24% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $2K | $13K | 18.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.24% |
| CORPORATE SYNERGIES GROUP LLC3 | 200 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $110 | $61 | $171 | 0.25% |
| MJ INSURANCE3 Filed as: LORI HANNIGAN AND VARIOUS AGENTS | 66 GARFIELD AVENUE DANBURY, CT 06810 | AFLAC | $887 | $0 | $887 | 2.83% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | 11 OVERHILL ROAD FAIRFIELD, CT 06824 | AFLAC | $715 | $0 | $715 | 2.28% |
| NANCY A WASSERMAN3 Filed as: NANCY WASSERMAN | 2 OLD TOWN HIGHWAY, UNIT 16 EAST HAVEN, CT 06512 | AFLAC | $521 | $0 | $521 | 1.66% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG ROAD SHELTON, CT 06484 | AFLAC | $281 | $0 | $281 | 0.90% |
| JEFFREY WHITE3 | PO BOX 5004 MANCHESTER, NH 03108 | AFLAC | $252 | $0 | $252 | 0.80% |
| SAMUEL TATUM3 | 152 HURLBUTT STREET WILTON, CT 06897 | AFLAC | $239 | $0 | $239 | 0.76% |
| MICHAEL R. BONAMARTE3 Filed as: MICHAEL BONAMARTE | 24 LONGVIEW DRIVE BROOKFIELD, CT 06804 | AFLAC | $181 | $0 | $181 | 0.58% |
| 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 | $938 | — | $938 | 10.85% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | HEARTLAND | $721 | $0 | $721 | 15.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DRIVE, SUITE 200 CAMDEN, NJ 08103 | AFLAC | $6 | $0 | $6 | 2.46% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | 11 OVERHILL ROAD FAIRFIELD, CT 06824 | AFLAC | $5 | $0 | $5 | 2.05% |
| DEBORAH POPPERT3 | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $3 | $0 | $3 | 1.23% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 11 EVERGREEN AVENUE WESTPORT, CT 06880 | AFLAC | $2 | $0 | $2 | 0.82% |
| DARLENE S DILLON3 Filed as: DARLENE DILLON | 120 WOODSIDE ROAD LEXINGTON, SC 29072 | AFLAC | $1 | $0 | $1 | 0.41% |
| MJ INSURANCE3 Filed as: MATTHEW BERGER AND VARIOUS AGENTS | 1020 N DELAWARE AVENUE, SUITE 4 PHILADELPHIA, PA 19125 | AFLAC | $1 | $0 | $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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | 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 COMPANY | 205 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 205 | $1.6M |
| Vision | HEARTLAND | 117 | $5K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $69K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 20 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $69K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 205 | $1.6M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.