| 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 | AETNA LIFE INSURANCE COMPANY | $94K | $5K | $99K | 1.03% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE COMPANY | $75K | $0 | $75K | 0.78% |
| JOSEPH PERLOW3 | 122 EAST 42ND STREET, SUITE 1610 NEW YORK CITY, NY 10168 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 12.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 8.85% |
| 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 Filed as: PERLOW PLANNING COMPANY INC | 122 EAST 42ND STREET NEW YORK, NY 10168 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 899 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,373 | $9.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,373 | $9.7M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,373 | $9.7M |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 37 | $26K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,373 | $9.7M |
| Other | FEDERAL INSURANCE COMPANY | 899 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,373 | — |
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.