| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $79K | $79K | 3.23% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $516 | $7K | 7.92% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 5.00% |
| BARBARA FONTI3 | 223 WALL ST # 159 HUNTINGTON, NY 11743 | AFLAC | $914 | $72 | $986 | 5.13% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $446 | — | $446 | 2.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $441 | — | $441 | 2.29% |
| WILLIAM WHICHER3 Filed as: WILLIAM H WHICHER | 11 KEENAN PL GARDEN CITY, NY 11530 | AFLAC | $320 | $17 | $337 | 1.75% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $220 | $17 | $237 | 1.23% |
| LORAINE SOMMER INC3 | 2168 NESCONSET HWY 250 STONY BROOK, NY 11790 | AFLAC | $95 | — | $95 | 0.49% |
| KENNETH C MEIER CORP3 | AND VARIOUS AGENTS 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $75 | — | $75 | 0.39% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICE INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 17.00% |
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 | 171 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 117 | $93K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 117 | $93K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 172 | $46K |
| Short-term disability | AFLAC | 20 | $19K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 172 | $46K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 172 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.