| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $10K | $31K | 10.54% |
| MAXINE GANTMAN3 Filed as: MAXINE GANMAN | 50 WILTON ROAD COLD SPRING HARBOR, NY 11724 | AFLAC | $896 | $0 | $896 | 5.72% |
| TAMIKA M OXFORD3 Filed as: TAMIKA M. OXFORD | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $739 | $0 | $739 | 4.72% |
| MJ INSURANCE3 Filed as: LORAINE SOMMER AND VARIOUS AGENTS | 2168 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $480 | $0 | $480 | 3.06% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $334 | $0 | $334 | 2.13% |
| DARREN COHEN3 | 25 LOUIS DRIVE MELVILLE, NY 11747 | AFLAC | $204 | $0 | $204 | 1.30% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $169 | $0 | $169 | 1.08% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY S. RUPPEL | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $162 | $0 | $162 | 1.03% |
| WALTER THOMAS BONILLA3 | 9 LONGLEAF LANE MEDFORD, NY 11763 | THE PAUL REVERE LIFE INSURANCE COMPANY | $669 | $198 | $867 | 6.77% |
| LAUREN JACOBS3 | 364 RED MAPLE DRIVE WEST WANTAGH, NY 11793 | THE PAUL REVERE LIFE INSURANCE COMPANY | $772 | $19 | $791 | 6.18% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM LOOP DRIVE, SUITE 200 CAMDEN, NJ 08103 | THE PAUL REVERE LIFE INSURANCE COMPANY | $678 | $0 | $678 | 5.29% |
| DAVID J MCCLELLAN3 Filed as: DAVID J. MCCLELLAN | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | THE PAUL REVERE LIFE INSURANCE COMPANY | $77 | $0 | $77 | 0.60% |
| JOHN N TUTTLE JR3 Filed as: JOHN N. TUTTLE JR | 632 GRAND STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.16% |
| PARTICK MICHAEL KIERNAN3 | 28 SEAFIELD LANE BAY SHORE, NY 11706 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.12% |
| NORMA STEELE3 | 1225 FRANKLIN AVENUE, SUITE 250 GARDEN CITY, NY 11530 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $122 | $122 | 7.04% |
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 | 584 | 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) | 584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 584 | $296K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $2K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 584 | $296K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 584 | $296K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 584 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.