| 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 | $135K | — | $135K | 4.35% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | OXFORD HEALTH INSURANCE, INC | — | $30K | $30K | 0.98% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $48 | $6K | 4.77% |
| JOHN E GLASER3 Filed as: JOHN E. GLASER | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $4K | $170 | $5K | 6.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES INC | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | AFLAC | $1K | — | $1K | 2.09% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $1K | $57 | $1K | 1.88% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $757 | $38 | $795 | 1.12% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER CORP & VARIOUS | AGENT 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $764 | — | $764 | 1.07% |
| PATRICIA RUPPEL3 | 1304 LILYS CAY CIR VERO BEACH, FL 32967 | AFLAC | $425 | — | $425 | 0.60% |
| BARBARA FONTI3 | 223 WALL ST #159 HUNTINGTON, NY 11743 | AFLAC | $320 | — | $320 | 0.45% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 17.30% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 3150 RED BERRY CT DELTONA, FL 327253020 | UNITEDHEALTHCARE INSURANCE COMPANY | $843 | — | $843 | 10.93% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $318 | $127 | $445 | 13.99% |
| ILENE LITTMAN4 | 312 WOODHULL AVE PORT JEFFERSON STATE, NY 11776 | PRE - PAID LEGAL SERVICES INC DBA LEGALSHIELD | $352 | — | $352 | 12.08% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 360 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 350 | $116K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $8K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 255 | $31K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 192 | $37K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 360 | $3.1M |
| Other(3 contracts, 3 carriers) | AFLAC | 207 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
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.