| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $250K | $14K | $264K | 3.88% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 6.87% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $904 | $904 | 0.86% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | ANTHEM BLUE CROSS | $20K | — | $20K | 242.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | $833 | — | $833 | 14.57% |
| JEFF SCHONSKY3 | 6520 BOOTH ST APT 3L REGO PARK, NY 11374 | AFLAC | $272 | — | $272 | 6.91% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $110 | — | $110 | 2.80% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $59 | — | $59 | 1.50% |
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 | 326 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 483 | $6.8M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 483 | $6.8M |
| Vision | ANTHEM BLUE CROSS | 322 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 324 | $105K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 324 | $105K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 324 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.