| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 | 200 JEFFERSON PARK ATTN GBS COMMISSION DEPT WHIPPANY, NJ 07981 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $95K | $95K | 3.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$172 | $91K | $91K | 3.58% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $49K | $49K | 1.93% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 5.94% |
| BOLLINGER INC3 | 200 JEFFERSON PARK ATTN GBS COMMISSION DEPT WHIPPANY, NJ 07981 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 4.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $2K | $3K | 3.42% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 10.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 4.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 3.60% |
| BARBARA FONTI3 | 223 WALL ST # 159 HUNTINGTON, NY 11743 | AFLAC | $899 | $124 | $1K | 5.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $679 | — | $679 | 3.45% |
| WILLIAM WHICHER3 Filed as: WILLIAM H WHICHER | 11 KEENAN PL GARDEN CITY, NY 11530 | AFLAC | $451 | $25 | $476 | 2.42% |
| MJ INSURANCE3 Filed as: DAVID CAPO AND VARIOUS AGENTS | 2413 WOOD AVE BELLMORE, NY 11710 | AFLAC | $256 | $19 | $275 | 1.40% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $226 | $25 | $251 | 1.27% |
| ANDREW RAIMO3 | 3 FANNIE RD HAMPTON BAYS, NY 11946 | AFLAC | $107 | $46 | $153 | 0.78% |
| LORAINE SOMMER INC3 | 2188 NESCONSET HWY 250 STONY BROOK, NY 11790 | AFLAC | $106 | — | $106 | 0.54% |
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 | 169 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 140 | $98K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 140 | $98K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 168 | $34K |
| Short-term disability | AFLAC | 20 | $20K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 168 | $34K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 168 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
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.