| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | OXFORD HEALTH INSURANCE, INC. | $143K | $21K | $164K | 2.04% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRLCE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $8K | $92 | $9K | 2.02% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.20% |
| PERLOW PLANNING COMPANY, INC.3 | 122 EAST 42ND STREET, SUITE 1610 NEW YORK, NY 10168 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 14.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS. | 1133 WESTCHESTER AVENUE, SUITE 229 WHITE PLAINS, NY 10604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $753 | $753 | 5.00% |
| RUEBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| PERLOW PLANNING COMPANY, INC.3 | 122 EAST 42ND STREET, SUITE 1610 NEW YORK, NY 10168 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| PERLOW PLANNING COMPANY, INC.3 | 122 EAST 42ND STREET, SUITE 1610 NEW YORK, NY 10168 | METROPOLITAN LIFE INSURANCE COMPANY | $905 | — | $905 | 12.02% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS AND FIN. SVCS. | 1133 WESTCHESTER AVENUE, SUITE 229 WHITE PLAINS, NY 10604 | METROPOLITAN LIFE INSURANCE COMPANY | $375 | — | $375 | 4.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS. | 4851 LBJ FREEWAY, SUITE 1100 DALLAS, TX 75244 | METROPOLITAN LIFE INSURANCE COMPANY | — | $79 | $79 | 1.05% |
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 | 610 | 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) | 610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 1,374 | $8.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,383 | $424K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,374 | $36K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 34 | $23K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 1,374 | $8.1M |
| Other | FEDERAL INSURANCE COMPANY | 610 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,383 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.