| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $215K | $1K | $216K | 3.50% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO INC - 20 | CORPORATE WOODS BLVD ALBANY, NY 12211 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | -$76 | — | -$76 | -0.00% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 5.99% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD. ALBANY, NY 12211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $386 | — | $386 | 0.34% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES, INC. | 5000 DEARBORN CIR STE 100 MOUNT LAUREL, NJ 08054 | RELIASTAR LIFE INSURANCE CO OF NY | $7K | — | $7K | 10.00% |
| JEFF SCHONSKY3 | 6520 BOOTH ST APT 3L REGO PARK, NY 11374 | AFLAC | $465 | — | $465 | 7.15% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $191 | — | $191 | 2.93% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $101 | — | $101 | 1.55% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $859 | — | $859 | 17.08% |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 433 | $6.2M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 433 | $6.2M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 433 | $6.2M |
| Life insurance | RELIASTAR LIFE INSURANCE CO OF NY | 343 | $74K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $115K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $115K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE CO OF NY | 343 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.