| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GRP INC | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $97K | — | $97K | 3.77% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GRP INC | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $18K | — | $18K | 3.61% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $8K | $31K | 9.25% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | EMPIRE HEALTHCHOICE HMO, INC. | $4K | — | $4K | 1.87% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.14% |
| 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 | 8.80% |
| MAXINE GANTMAN3 | 25 FRANKLIN BLVD APT 4N LONG BEACH, NY 11561 | AFLAC | $738 | — | $738 | 6.46% |
| BARBARA FONTI3 | 223 WALL ST # 159 HUNTINGTON, NY 11743 | AFLAC | $357 | — | $357 | 3.13% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $178 | — | $178 | 1.56% |
| MJ INSURANCE3 Filed as: JAMES (JAY) GRIMES & VARIOUS AGENTS | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $158 | — | $158 | 1.38% |
| LORAINE SOMMER INC3 | 2188 NESCONSET HWY 250 STONY BROOK, NY 11790 | AFLAC | $118 | — | $118 | 1.03% |
| CHRISTOPHER E MOORE3 | 4272 PERSIMMON WOODS DR NORTH CHARLESTON, SC 29420 | AFLAC | $88 | — | $88 | 0.77% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $69 | — | $69 | 0.60% |
| MAXINE GANTMAN3 | 25 FRANKLIN BLVD APT 4N LONG BEACH, NY 11561 | AFLAC | $135 | — | $135 | 5.30% |
| BARBARA FONTI3 | 223 WALL ST # 159 HUNTINGTON, NY 11743 | AFLAC | $79 | — | $79 | 3.10% |
| LORAINE SOMMER INC3 | 2188 NESCONSET HWY 250 STONY BROOK, NY 11790 | AFLAC | $42 | — | $42 | 1.65% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $28 | — | $28 | 1.10% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $23 | — | $23 | 0.90% |
| MJ INSURANCE3 Filed as: JOANNA FERGUSON & VARIOUS AGENTS | 242 W END AVE MASSAPEQUA, NY 11758 | AFLAC | $18 | — | $18 | 0.71% |
| ROBERT THOMAS JENSEN3 Filed as: ROBERT FONTI | 23 FAIRCHILD ST HUNTINGTON, NY 11743 | AFLAC | $17 | — | $17 | 0.67% |
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 | 614 | 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) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EMBLEMHEALTH | 277 | $3.3M |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $476K |
| Vision | HM LIFE INSURANCE COMPANY | 326 | $22K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $476K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $476K |
| Prescription drug(3 contracts, 2 carriers) | EMBLEMHEALTH | 277 | $3.3M |
| Other(6 contracts, 3 carriers) | EMBLEMHEALTH | 684 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 684 | — |
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.