| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $154K | — | $154K | 1.89% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $21K | $16K | $37K | 12.24% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - CAMDEN | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 3.59% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $11K | $6K | $17K | 15.53% |
| JOHN E GLASER3 | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $6K | $451 | $6K | 8.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $2K | — | $2K | 2.22% |
| MJ INSURANCE3 Filed as: BARBARA FONTI AND VARIOUS AGENTS | PO BOX 2214 HUNTINGTON, NY 11743 | AFLAC | $1K | — | $1K | 1.82% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $1K | $75 | $1K | 1.70% |
| JAMES C MALONEY3 | 27 HEWITT DR NORTHPORT, NY 11768 | AFLAC | $976 | $75 | $1K | 1.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | AFLAC | $976 | — | $976 | 1.29% |
| PATRICIA RUPPEL3 | 70 VICTORIA DR HILTON HEAD, SC 29926 | AFLAC | $365 | — | $365 | 0.48% |
| EDDIE COBBINAH4 | 2408 RIDGE WAY FORT LEE, NJ 070242200 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $630 | — | $630 | 5.44% |
| CORPORATE SYNERGIES GROUP LLC4 Filed as: CORPORATE SYNERGIES GROUP | STE 100 5000 DEARBORN CIR MOUNT LAUREL, NJ 080544108 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $518 | — | $518 | 4.47% |
| MARSH & MCLENNAN AGENCY LLC4 | STE 2 250 PEHLE AVE SADDLE BROOK, NJ 076635834 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $463 | — | $463 | 4.00% |
| PATRIOT GROWTH INSURANCE SERVICES4 Filed as: PATRIOT GROWTH INSURANCE SER | 35 PINELAWN RD STE 208E MELVILLE, NY 117473185 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $218 | — | $218 | 1.88% |
| A SECURE YOU INC4 | 63 SABLE RUN EAST AMHERST, NY 140512212 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $151 | — | $151 | 1.30% |
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 | 452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 480 | $8.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 512 | $192K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 512 | $192K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 452 | $415K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 452 | $303K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 452 | $303K |
| Prescription drug | EMBLEMHEALTH | 480 | $8.2M |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 452 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.