| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | EMBLEMHEALTH | $60K | $0 | $60K | 3.65% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $49K | $0 | $49K | 3.50% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $4K | $24K | 7.62% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38 | $0 | $38 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | EMPIRE HEALTHCHOICE HMO, INC. | $2K | $0 | $2K | 1.51% |
| MAXINE GANTMAN3 | 25 FRANKLIN BOULEVARD APARTMENT, 4N LONG BEACH, NY 11561 | AFLAC | $1K | $0 | $1K | 5.36% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $525 | $0 | $525 | 2.68% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $255 | $0 | $255 | 1.30% |
| MJ INSURANCE Filed as: JAMES GRIMED AND VARIOUS AGENTS | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $193 | $0 | $193 | 0.99% |
| LORAINE SOMMER INC3 | 2188 NESCONSET HIGHWAY, SUITE 250 STONY BROOK, NY 11790 | AFLAC | $177 | $0 | $177 | 0.90% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $108 | $0 | $108 | 0.55% |
| CHRISTOPHER MOORE3 | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $96 | $0 | $96 | 0.49% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | HM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MAXINE GANTMAN3 | 25 FRANKLIN BOULEVARD APARTMENT 4N LONG BEACH, NY 11561 | AFLAC | $160 | $0 | $160 | 4.87% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $93 | $0 | $93 | 2.83% |
| LORAINE SOMMER INC3 | 2188 NESCONSET HIGHWAY, SUITE 250 STONY BROOK, NY 11790 | AFLAC | $47 | $0 | $47 | 1.43% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $33 | $0 | $33 | 1.00% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $26 | $0 | $26 | 0.79% |
| MJ INSURANCE3 Filed as: JOANNA FERGUSON AND VARIOUS AGENTS | 242 WEST END AVENUE MASSAPEQUA, NY 11758 | AFLAC | $22 | $0 | $22 | 0.67% |
| ROBERT THOMAS JENSEN3 Filed as: ROBERT FONTI | 23 FAIRCHILD STREET HUNTINGTON, NY 11743 | AFLAC | $19 | $0 | $19 | 0.58% |
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 | 652 | 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) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EMBLEMHEALTH | 228 | $3.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 694 | $318K |
| Vision | HM LIFE INSURANCE COMPANY | 301 | $16K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 694 | $318K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 694 | $318K |
| Prescription drug(3 contracts, 2 carriers) | EMBLEMHEALTH | 228 | $3.2M |
| Other(4 contracts, 3 carriers) | EMBLEMHEALTH | 694 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.