| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: JOHN E GLASER AND VARIOUS AGENTS | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $914 | $15 | $929 | 4.16% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $918 | — | $918 | 4.11% |
| MERIDA CARLO CORP3 | 3311 36TH AVE ATTN AGENCY ASTORIA, NY 11106 | AFLAC | $736 | $60 | $796 | 3.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES INC | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | AFLAC | $340 | — | $340 | 1.52% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 4 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $319 | $13 | $332 | 1.49% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $139 | — | $139 | 0.62% |
| EMERY TYLER3 | 78 HURON DR BAY SHORE, NY 11706 | AFLAC | $135 | — | $135 | 0.60% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $623 | — | $623 | 4.46% |
| MJ INSURANCE3 Filed as: JOHN E GLASER AND VARIOUS AGENTS | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $353 | — | $353 | 2.53% |
| MERIDA CARLO CORP3 | 3311 36TH AVE ATTN AGENCY ASTORIA, NY 11106 | AFLAC | $288 | $31 | $319 | 2.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES INC | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | AFLAC | $193 | — | $193 | 1.38% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $185 | $5 | $190 | 1.36% |
| NOEL YULFO3 | 214 BEECH ST FLORAL PARK, NY 11001 | AFLAC | $113 | — | $113 | 0.81% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $90 | — | $90 | 0.64% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $483 | $2K | 15.08% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $630 | $630 | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $333 | — | $333 | 3.37% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 150 | $22K |
| Other(3 contracts, 2 carriers) | AFLAC | 150 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.