| 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 | $74K | — | $74K | 3.85% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $8K | $151 | $9K | 8.58% |
| KIRSTEN E WALSH3 | 168 RUSSELL ST APT 1R BROOKLYN, NY 11222 | AFLAC | $5K | $122 | $5K | 4.61% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $2K | $57 | $2K | 2.05% |
| JACQUES P DAVID CORPORATION3 | AND VARIOUS AGENT 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $856 | — | $856 | 0.85% |
| LEWIS R B ASSOCIATES INC3 | 22 JERICHO TPKE STE 105 MINEOLA, NY 11501 | AFLAC | $852 | — | $852 | 0.85% |
| SIMONE HIRSCH3 | 17 SPRING CT HUNTINGTON, NY 11743 | AFLAC | $414 | — | $414 | 0.41% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $386 | — | $386 | 0.38% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 3.39% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.87% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 164 | $1.9M |
| Dental | AETNA LIFE INSURANCE CO. | 288 | $90K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 317 | $42K |
| Short-term disability | AFLAC | 139 | $100K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 317 | $42K |
| Prescription drug | EMBLEMHEALTH | 164 | $1.9M |
| Other(2 contracts, 2 carriers) | AFLAC | 317 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.