| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $111K | — | $111K | 2.38% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 61 SOUTH PARAMUS ROAD, 4TH FLOOR PARAMUS, NJ 07652 | AETNA LIFE INSURANCE COMPANY | — | $284 | $284 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 4.42% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | SUN LIFE AND HEALTH INSURANCE COMPANY US | $8K | — | $8K | 7.29% |
| KEITH LEPACK3 Filed as: KEITH LEPAC | 253 WEST 72ND STREET APARTMENT 1210 NEW YORK, NY 10023 | AFLAC | $2K | $53 | $2K | 4.40% |
| THE HORTON GROUP3 Filed as: ALEX HORTON AND VARIOUS AGENTS | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $2K | $81 | $2K | 3.71% |
| BRETT G. DIAMOND3 | 375 SOUTH END AVENUE APARTMENT 15R NEW YORK, NY 10280 | AFLAC | $1K | $68 | $1K | 2.68% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 PARK AVENUE, 24TH FLOOR NEW YORK, NY 10016 | AFLAC | $1K | — | $1K | 2.51% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AFLAC | $547 | — | $547 | 1.21% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | PO BOX 1079 SOUTHPORT, CT 06890 | AFLAC | $397 | — | $397 | 0.88% |
| STEPHEN WHITE3 | 214 25 42ND AVENUE, 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $332 | — | $332 | 0.74% |
| UNKNOWN3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $841 | — | $841 | 14.99% |
| KEITH LEPACK3 | 253 WEST 72ND STREET APARTMENT 1210 NEW YORK, NY 10023 | AFLAC | $132 | — | $132 | 4.71% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 12 COURTNEY LANE BREWSTER, NY 10509 | AFLAC | $65 | — | $65 | 2.32% |
| TREVOR FENNELL3 Filed as: TREVOR R, FENNELL | 11835 QUEENS BOULEVARD, SUITE 1403 FORREST HILLS, NY 11375 | AFLAC | $26 | — | $26 | 0.93% |
| DAVID R MORRISON3 Filed as: DAVID R. MORRISON | 902 WEST POPLAR ROAD STERLING, VA 20164 | AFLAC | $18 | — | $18 | 0.64% |
| MJ INSURANCE3 Filed as: MICHAEL T. REYES AND VARIOUS AGENTS | 185 PLAINS ROAD, SUITE 200 E NORWALK, CT 08854 | AFLAC | $18 | — | $18 | 0.64% |
| MICHAEL REYES3 Filed as: MICHAEL R. ROBERTS | 535 CONNECTICUT AVENUE, SUITE 103 NORWALK, CT 06854 | AFLAC | $17 | — | $17 | 0.61% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 401 FRNAKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $11 | — | $11 | 0.39% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 576 | $4.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 576 | $4.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 144 | $20K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY US | 354 | $111K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 341 | $117K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 576 | $4.6M |
| Other(5 contracts, 4 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY US | 370 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.