| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $158K | — | $158K | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - | NORTHEAST 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - NY | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | UNITEDHEALTHCARE INSURANCE COMPANY | -$697 | — | -$697 | -0.01% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $21K | $11K | $32K | 14.27% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $11K | $4K | $14K | 13.37% |
| JOHN E GLASER3 | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $4K | $215 | $4K | 6.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $3K | — | $3K | 4.34% |
| MJ INSURANCE3 Filed as: BARBARA FONTI AND VARIOUS AGENTS | PO BOX 2214 HUNTINGTON, NY 11743 | AFLAC | $2K | — | $2K | 2.32% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | AFLAC | $1K | — | $1K | 1.55% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $923 | $50 | $973 | 1.46% |
| JAMES C MALONEY3 | 27 HEWITT DR NORTHPORT, NY 11768 | AFLAC | $502 | $50 | $552 | 0.83% |
| PATRICIA RUPPEL3 | 70 VICTORIA DR HILTON HEAD, SC 29926 | AFLAC | $389 | — | $389 | 0.58% |
| MARSH & MCLENNAN AGENCY LLC4 | STE 2 250 PEHLE AVE SADDLE BROOK, NJ 07663 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $551 | — | $551 | 5.01% |
| EDDIE COBBINAH4 | 2408 RIDGE WAY FORT LEE, NJ 07024 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $480 | — | $480 | 4.36% |
| PREMIER BENEFITS PLANS INC4 | STE 208E 35 PINELAWN RD MELVILLE, NY 11747 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $235 | — | $235 | 2.13% |
| A SECURE YOU INC4 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $191 | — | $191 | 1.74% |
| CORPORATE SYNERGIES GROUP LLC4 Filed as: CORPORATE SYNERGIES GROUP | STE 100 5000 DEARBORN CIR MOUNT LAUREL, NJ 08054 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $30 | — | $30 | 0.27% |
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 | 462 | 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) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 534 | $6.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 534 | $6.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 534 | $6.2M |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 462 | $329K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 462 | $221K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 462 | $221K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 534 | $6.2M |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 462 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.