| 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. | $165K | $7K | $172K | 1.99% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $9K | $86 | $9K | 2.03% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $1K | $5K | 14.97% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| PERLOW PLANNING COMPANY, INC.3 | 122 EAST 42ND STREET NEW YORK, NY 10168 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| JOSEPH PERLOW3 | 122 EAST 42ND STREET, SUITE 1610 NEW YORK CITY, NY 10168 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $984 | $0 | $984 | 10.05% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTSHESTER AVENUE, SUITE 229 WHITE PLAINS, NY 10604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $489 | $489 | 5.00% |
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 | 942 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC. | 1,320 | $8.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,365 | $426K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 613 | $34K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 34 | $10K |
| Prescription drug | OXFORD HEALTH INSURANCE INC. | 1,320 | $8.6M |
| Other | FEDERAL INSURANCE COMPANY | 633 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,365 | — |
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.