| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $9K | — | $9K | 6.11% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $7K | $7K | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $340 | $5K | 13.05% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $706 | — | $706 | 3.93% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | AND VARIOUS AGENTS MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $623 | — | $623 | 3.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | AFLAC | $315 | — | $315 | 1.75% |
| GEORGE BLAIR WEILER3 Filed as: GEORGE WEILER | 64 HILLTOP DR MANHASSET, NY 11030 | AFLAC | $278 | — | $278 | 1.55% |
| MERIDA CARLO CORP3 | 3311 36TH AVE ATTN AGENCY ASTORIA, NY 11106 | AFLAC | $253 | — | $253 | 1.41% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $229 | — | $229 | 1.27% |
| EMERY TYLER3 | 78 HURON DR BAY SHORE, NY 11706 | AFLAC | $125 | — | $125 | 0.70% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $420 | — | $420 | 4.22% |
| MJ INSURANCE3 Filed as: NOEL YULFO AND VARIOUS AGENTS | 214 BEECH ST FLORAL PARK, NY 11001 | AFLAC | $314 | — | $314 | 3.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | AFLAC | $155 | — | $155 | 1.56% |
| MERIDA CARLO CORP3 | 3311 36TH AVE ATTN AGENCY ASTORIA, NY 11106 | AFLAC | $138 | — | $138 | 1.39% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $111 | — | $111 | 1.11% |
| GEORGE BLAIR WEILER3 Filed as: GEORGE WEILER | 64 HILLTOP DR MANHASSET, NY 11030 | AFLAC | $88 | — | $88 | 0.88% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $74 | — | $74 | 0.74% |
| MERIDA CARLO CORP3 Filed as: MERIDA CARLO | 3311 36TH AVE ATTN AGENCY ASTORIA, NY 11106 | AFLAC | $522 | $88 | $610 | 15.82% |
| BLAIR G WEILER3 Filed as: BLAIR WEILER | 64 HILLTOP DR MANHASSET, NY 11030 | AFLAC | $221 | — | $221 | 5.73% |
| ANTHONY ORGERA3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $100 | $14 | $114 | 2.96% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 1.83% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 228 | $182K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 228 | $182K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 228 | $141K |
| Other(6 contracts, 4 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 228 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.