| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $52K | $4K | $56K | 2.51% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | AETNA LIFE INSURANCE CO. | $39K | $0 | $39K | 1.74% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $37K | $0 | $37K | 1.65% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $328 | $4K | 12.05% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 9.92% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $1K | $1K | 3.97% |
| MJ INSURANCE3 Filed as: JOHN GLASER AND VARIOUS AGENTS | 85 ARLINGTON ROAD LAKE RONKONKOMA, NY 11779 | AFLAC | $1K | $10 | $1K | 5.23% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 PARK AVENUE FLOOR 24 NEW YORK, NY 10016 | AFLAC | $1K | $0 | $1K | 4.74% |
| MERIDA CARLO CORP3 | 3311 36TH AVENUE ASTORIA, NY 11106 | AFLAC | $716 | $51 | $767 | 3.12% |
| ANTHONY ORGERA3 Filed as: ANTHONY R. OGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $454 | $10 | $464 | 1.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK, MARAN AND ASSOCIATES, INC. | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | AFLAC | $447 | $0 | $447 | 1.82% |
| NOEL YULFO3 | 214 BEECH STREET FLORAL PARK, NY 11001 | AFLAC | $200 | $0 | $200 | 0.81% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $197 | $0 | $197 | 0.80% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 PARK AVENUE FLOOR 24 NEW YORK, NY 10016 | AFLAC | $1K | $0 | $1K | 8.62% |
| NOEL YULFO3 | 214 BEECH STREET FLORAL PARK, NY 11001 | AFLAC | $556 | $13 | $569 | 3.59% |
| MERIDA CARLO CORP3 Filed as: MERIDA CARLO CORPORATION | 3311 36TH AVENUE ASTORIA, NY 11106 | AFLAC | $396 | $101 | $497 | 3.14% |
| MJ INSURANCE3 Filed as: JOHN GLASER AND VARIOUS AGENTS | 85 ARLINGTON ROAD LAKE RONKONKOMA, NY 11779 | AFLAC | $426 | $20 | $446 | 2.82% |
| ANTHONY ORGERA3 Filed as: ANTHONY R. OGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $359 | $20 | $379 | 2.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK, MARAN AND ASSOCIATES, INC. | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | AFLAC | $219 | $0 | $219 | 1.38% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $101 | $0 | $101 | 0.64% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | VISION SERVICE PLAN | $650 | $0 | $650 | 7.83% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 2.10% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 221 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 52 | $36K |
| Vision | VISION SERVICE PLAN | 68 | $8K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 32 | $37K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 32 | $40K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 32 | $37K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 221 | $2.2M |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 32 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.