| 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 AND AFFILIATES | $3K | $35 | $3K | 5.03% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | 5000 DEARBORN CIR STE 100 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $428 | $748 | $1K | 3.73% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | — | $2K | 6.85% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD | 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | — | $2K | 6.85% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 4864 ARTHUR KILL RD STE 3 STATEN ISLAND, NY 10309 | AFLAC | $2K | $21 | $2K | 13.70% |
| KRISTEN PARZIANO3 | 15 10TH ST STATEN ISLAND, NY 10306 | AFLAC | $753 | — | $753 | 5.25% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $433 | $21 | $454 | 3.17% |
| LORENA GILER LOPEZ3 | 7784 271ST ST NEW HYDE PARK, NY 11040 | AFLAC | $298 | $106 | $404 | 2.82% |
| ANDREW SHULMAN3 | 138 E 78TH ST APT 3B NEW YORK, NY 10075 | AFLAC | $193 | — | $193 | 1.35% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | AND VARIES AGENTS 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $137 | — | $137 | 0.96% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DR APT 4A BAYSIDE, NY 11360 | AFLAC | $53 | — | $53 | 0.37% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC | NEW YORK, NY PO BOX 654118 DALLAS, TX 75265 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | $188 | — | $188 | 5.32% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 113 | $56K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | 105 | $4K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 194 | $32K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 194 | $32K |
| Other(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 211 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.