| 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 | $6K | $291 | $6K | 5.21% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 3.90% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP | LLC ALERA GROUP INC 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 3.90% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | ATTN ACCOUNT RECEIVABLE 5000 DEARBORN CIR STE 100 MOUNT LAUREL, NJ 08054 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $648 | — | $648 | 1.44% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 4864 ARTHUR KILL RD STE 3 STATEN ISLAND, NY 10309 | AFLAC | $5K | $257 | $6K | 26.15% |
| KRISTEN PARZIANO3 | 15 10TH ST STATEN ISLAND, NY 10306 | AFLAC | $2K | $152 | $2K | 10.73% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $989 | $87 | $1K | 4.98% |
| ANDREW SHULMAN3 | 138 E 78TH ST APT 3B NEW YORK, NY 10075 | AFLAC | $180 | — | $180 | 0.83% |
| SPHEREC GROUP LLC3 | AND VARIOUS AGENTS 388 BRIDGE ST APT 34G BROOKLYN, NY 11201 | AFLAC | $150 | — | $150 | 0.69% |
| LORENA GILER LOPEZ3 | 7784 271ST ST NEW HYDE PARK, NY 11040 | AFLAC | $85 | — | $85 | 0.39% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DR APT 4A BAYSIDE, NY 11360 | AFLAC | $68 | — | $68 | 0.31% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | ATTN ACCOUNT RECEIVABLE 5000 DEARBORN CIR STE 100 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $398 | $782 | $1K | 8.10% |
| 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 | $425 | — | $425 | 4.35% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 152 | $120K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | 184 | $10K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 202 | $60K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 202 | $60K |
| Other(4 contracts, 4 carriers) | SHELTERPOINT LIFE INSURANCE COMPANY | 229 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.