| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $29K | — | $29K | 1.59% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $21K | $854 | $22K | 14.02% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $4K | $173 | $4K | 2.40% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN WALSH | 112 NORWOOD AVE NORTHPORT, NY 11768 | AFLAC | $3K | — | $3K | 2.14% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | AND VARIOUS AGENTS 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $782 | $44 | $826 | 0.52% |
| LUCIA SANCHEZ3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $686 | $4 | $690 | 0.44% |
| RICHARD LEWIS3 | 365 WILLIS AVE MINEOLA, NY 11501 | AFLAC | $540 | — | $540 | 0.34% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $271 | — | $271 | 0.17% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $2K | $75 | $2K | 3.10% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 128 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO. | 220 | $74K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 266 | $45K |
| Short-term disability | AFLAC | 137 | $158K |
| Prescription drug | EMBLEMHEALTH | 128 | $1.8M |
| Other(2 contracts, 2 carriers) | AFLAC | 266 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.