| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL LISA3 | CORPORATE SYNERGIES GROUP, LLC 5000 DEARBORN CIRCLE MT. LAUREL, NJ 08054 | EMBLEMHEALTH | $81K | — | $81K | 9.41% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | EMPIRE HEALTHCHOICE HMO, INC. | $4K | — | $4K | 1.72% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 WEST NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $15K | $382 | $15K | 8.05% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN WALSH | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $12K | $330 | $12K | 6.25% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $4K | $119 | $4K | 2.33% |
| LEWIS R B ASSOCIATES INC3 Filed as: LEWIS R. B. ASSOCIATES, INC. | 22 JERICHO TURNPIKE, SUITE 105 MINEOLA, NY 11501 | AFLAC | $3K | — | $3K | 1.35% |
| KENNTH C. MEIER CORPORATION3 | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $1K | — | $1K | 0.61% |
| MJ INSURANCE3 Filed as: JAMES WALSH AND VARIOUS AGENTS | 255 WEST NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $1K | — | $1K | 0.61% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DRIVE JERICHO, NY 11753 | AFLAC | $809 | — | $809 | 0.43% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES, GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.98% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 200 EAST PARK DRIVE, SUITE 600 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | — | $59 | $59 | 0.04% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 333 EARLE OVINGTON, SUITE 300 UNIONDALE, NY 11553 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $8K | — | $8K | 39.72% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $457 | — | $457 | 2.38% |
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 | 401 | 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) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 117 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 422 | $136K |
| Vision | EMPIRE HEALTHCHOICE HMO, INC. | 13 | $234K |
| Life insurance | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 401 | $19K |
| Long-term disability | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 401 | $19K |
| Prescription drug(2 contracts, 2 carriers) | EMBLEMHEALTH | 117 | $1.1M |
| Other(2 contracts, 2 carriers) | AFLAC | 401 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.