| 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 | $187K | — | $187K | 5.72% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $24K | 7.62% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $914 | — | $914 | 0.85% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $540 | $540 | 0.50% |
| 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 | 10.00% |
| MAXINE GANTMAN3 | 25 FRANKLIN BLVD APT 4N LONG BEACH, NY 11561 | AFLAC | $731 | — | $731 | 5.21% |
| BARBARA FONTI3 | 223 WALL ST # 159 HUNTINGTON, NY 11743 | AFLAC | $363 | — | $363 | 2.59% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $175 | — | $175 | 1.25% |
| LORAINE SOMMER INC3 | 2168 NESCONSET HWY 250 STONY BROOK, NY 11790 | AFLAC | $125 | — | $125 | 0.89% |
| PATRICK RUHLE3 | AND VARIOUS AGENTS 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $113 | — | $113 | 0.80% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $72 | — | $72 | 0.51% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $57 | — | $57 | 0.41% |
| WALTER THOMAS BONILLA3 | 9 LONGLEAF LANE MEDFORD, NY 11763 | THE PAUL REVERE LIFE INSURANCE COMPANY | $301 | $91 | $392 | 7.31% |
| LAUREN JACOBS3 | 17 ECHO LANE LEVITTOWN, NY 11756 | THE PAUL REVERE LIFE INSURANCE COMPANY | $340 | $1 | $341 | 6.36% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM LOOP DR STE 200 CAMDEN, NJ 08103 | THE PAUL REVERE LIFE INSURANCE COMPANY | $267 | — | $267 | 4.98% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22 | $40 | $62 | 1.16% |
| JOHN N TUTTLE JR3 | 632 GRAND ST SUITE 302 HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.09% |
| PATRICK MICHAEL KIERNAN3 | 28 SEAFIELD LN BAY SHORE, NY 11706 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.07% |
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 | 551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 243 | $3.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 551 | $317K |
| Vision | HM LIFE INSURANCE COMPANY | 348 | $22K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 551 | $317K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 551 | $317K |
| Prescription drug(2 contracts, 2 carriers) | EMBLEMHEALTH | 243 | $3.4M |
| Other(4 contracts, 4 carriers) | EMBLEMHEALTH | 551 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.