| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $186K | — | $186K | 3.92% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 0.30% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $23K | $1K | $24K | 16.35% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID, JOEL | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $1K | $15K | 9.93% |
| EMPLOYEE FAMILY PROTECTION INC3 | ATTN MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $871 | — | $871 | 0.60% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | FIRST UNUM LIFE INSURANCE COMPANY | $67 | — | $67 | 0.05% |
| 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 | $3K | — | $3K | 15.13% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID, JOEL | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $577 | $58 | $635 | 16.85% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $596 | — | $596 | 15.82% |
| EMPLOYEE FAMILY PROTECTION INC3 | ATTN MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 1.96% |
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 | 1,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,023 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 713 | $4.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 713 | $4.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | 465 | $20K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,006 | $150K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,006 | $150K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,006 | $146K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 1,006 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,006 | — |
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.