| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | OXFORD HEALTH INSURANCE, INC | $121K | $7K | $129K | 4.26% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | OXFORD HEALTH INSURANCE, INC | — | $28K | $28K | 0.94% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $141 | $5K | 4.15% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 117474300 | METROPOLITAN LIFE INSURANCE COMPANY | $254 | — | $254 | 0.23% |
| GUNDERMANN & GUNDERMANN INC3 Filed as: GUNDERMANN & GUNDERMANN | 175 W CARVER ST HUNTINGTON, NY 117433307 | METROPOLITAN LIFE INSURANCE COMPANY | $250 | — | $250 | 0.22% |
| JOHN E GLASER3 Filed as: JOHN E. GLASER | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $7K | $351 | $7K | 7.84% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $2K | $104 | $2K | 2.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES INC | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | AFLAC | $2K | — | $2K | 1.98% |
| MJ INSURANCE3 Filed as: BARBARA FONTI & VARIOUS AGENTS | 223 WALL ST #159 HUNTINGTON, NY 11743 | AFLAC | $1K | — | $1K | 1.31% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $641 | — | $641 | 0.69% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $519 | $76 | $595 | 0.64% |
| PATRICIA RUPPEL3 | 1304 LILYS CAY CIR VERO BEACH, FL 32967 | AFLAC | $511 | — | $511 | 0.55% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | $7K | $353 | $7K | 16.85% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $67 | $67 | 0.16% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 6.27% |
| CORPORATE SYNERGIES GROUP LLC3 | 1540 CORNERSTONE BLVD STE 200 DAYTONA BEACH, FL 321177144 | UNITEDHEALTHCARE INSURANCE COMPANY | $796 | — | $796 | 9.18% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $310 | — | $310 | 10.01% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $194 | $194 | 6.27% |
| ILENE LITTMAN4 | 312 WOODHULL AVE PORT JEFFERSON STATE, NY 11776 | PRE - PAID LEGAL SERVICES INC DBA LEGALSHIELD | $344 | — | $344 | 11.89% |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 389 | $3.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $112K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $9K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 241 | $30K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 203 | $42K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 389 | $3.0M |
| Other(3 contracts, 3 carriers) | AFLAC | 191 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.