| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $6K | $34K | 8.79% |
| TAMIKA M OXFORD3 | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $6K | $442 | $7K | 19.18% |
| MAXINE GANTMAN3 | 50 WILTON ROAD COLD SPRING HARBOR, NY 11724 | AFLAC | $3K | $234 | $3K | 8.01% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $1K | $113 | $1K | 3.83% |
| DARREN COHEN3 | 25 LOUIS DRIVE MELVILLE, NY 11747 | AFLAC | $643 | $111 | $754 | 2.12% |
| JAMES ROBERT CONFORT3 Filed as: JAMES ROBERT CONFORT & OTHER AGENTS | 3 SUNSET LANE GRAND CITY, NY 11530 | AFLAC | $711 | $13 | $724 | 2.04% |
| DANIELLE A MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $271 | $247 | $518 | 1.46% |
| BARBARA FONTI3 Filed as: BARBARA FONTT | PO BOX 2214 HUNTINGTON, NY 11743 | AFLAC | $348 | $0 | $348 | 0.98% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | UNKNOWN ROOSEVELT, NY 11575 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| PATRICK MICHAEL KIERNAN3 Filed as: PATRICK MICHAEL KIEMAN | 28 SEAFIELD LANE BAY SHORE, NY 11706 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $329 | $3K | 20.37% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM LOOP DRIVE, SUITE 200 CAMDEN, NJ 08103 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.81% |
| WALTER THOMAS BONILLA3 | 9 LONGLEAF LANE MEDFORD, NY 11763 | THE PAUL REVERE LIFE INSURANCE COMPANY | $728 | $329 | $1K | 6.70% |
| LAUREN JACOBS3 | 364 RED MAPLE DRIVE WEST WANTAGH, NY 11793 | THE PAUL REVERE LIFE INSURANCE COMPANY | $881 | $0 | $881 | 5.58% |
| DAVID J MCCLELLAN3 Filed as: DAVID J MCCLELLA | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | THE PAUL REVERE LIFE INSURANCE COMPANY | $191 | $0 | $191 | 1.21% |
| JOHN N TUTTLE JR3 | 632 GRAND STREET, SUITE 302 HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.05% |
| NORMA STEELE3 | 1225 FRANKLIN AVENUE, SUITE 250 GARDEN CITY, NY 11530 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 541 | 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) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 541 | $388K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 341 | $21K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 541 | $388K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 541 | $388K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 541 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.