| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $63K | — | $63K | 4.09% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GRP INC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | EMBLEMHEALTH | $53K | — | $53K | 3.85% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $28K | — | $28K | 3.50% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $3K | $24K | 7.54% |
| CORPORATE SYNERGIES GROUP LLC3 | 200 EAST PARK DR #600 MOUNT LAUREL, NJ 08054 | EMPIRE HEALTHCHOICE HMO, INC. | $5K | — | $5K | 2.02% |
| CORPORATE SYNERGIES GROUP LLC3 | 200 EAST PARK DR #600 MOUNT LAUREL, NJ 08054 | EMPIRE HEALTHCHOICE HMO, INC. | $2K | — | $2K | 1.76% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 8.79% |
| MAXINE GANTMAN3 | 25 FRANKLIN BLVD APT 4N LONG BEACH, NY 11561 | AFLAC | $971 | — | $971 | 5.38% |
| BARBARA FONTI3 | 223 WALL ST # 159 HUNTINGTON, NY 11743 | AFLAC | $474 | — | $474 | 2.63% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $228 | — | $228 | 1.26% |
| MJ INSURANCE3 Filed as: JAMES (JAY) GRIMES & VARIOUS AGENTS | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $188 | — | $188 | 1.04% |
| LORAINE SOMMER INC3 | 2188 NESCONSET HWY 250 STONY BROOK, NY 11790 | AFLAC | $177 | — | $177 | 0.98% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $98 | — | $98 | 0.54% |
| CHRISTOPHER E MOORE3 | 4272 PERSIMMON WOODS DR NORTH CHARLESTON, SC 29420 | AFLAC | $96 | — | $96 | 0.53% |
| MAXINE GANTMAN3 | 25 FRANKLIN BLVD APT 4N LONG BEACH, NY 11561 | AFLAC | $149 | — | $149 | 4.78% |
| BARBARA FONTI3 | 223 WALL ST # 159 HUNTINGTON, NY 11743 | AFLAC | $87 | — | $87 | 2.79% |
| LORAINE SOMMER INC3 | 2188 NESCONSET HWY 250 STONY BROOK, NY 11790 | AFLAC | $47 | — | $47 | 1.51% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $30 | — | $30 | 0.96% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $26 | — | $26 | 0.83% |
| MJ INSURANCE3 Filed as: JOANNA FERGUSON & VARIOUS AGENTS | 242 W END AVE MASSAPEQUA, NY 11758 | AFLAC | $20 | — | $20 | 0.64% |
| ROBERT THOMAS JENSEN3 Filed as: ROBERT FONTI | 23 FAIRCHILD ST HUNTINGTON, NY 11743 | AFLAC | $19 | — | $19 | 0.61% |
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 | 658 | 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) | 658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | EMBLEMHEALTH | 248 | $4.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 658 | $318K |
| Vision | HM LIFE INSURANCE COMPANY | 317 | $18K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 658 | $318K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 658 | $318K |
| Prescription drug(5 contracts, 2 carriers) | EMBLEMHEALTH | 248 | $4.1M |
| Other(5 contracts, 3 carriers) | EMBLEMHEALTH | 658 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.