| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $67K | $43 | $67K | 1.42% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $39K | $0 | $39K | 0.84% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $4K | $16K | 5.19% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $6K | $19K | 7.24% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $2K | $0 | $2K | 3.45% |
| MJ INSURANCE3 Filed as: ENIDA MICI AND VARIOUS AGENTS | 353 EAST 82ND STREET, APARTMENT 9 NEW YORK, NY 10028 | AFLAC | $1K | $0 | $1K | 2.55% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 RIVERSIDE DRIVE, SUITE 200 CAMDEN, NJ 08103 | AFLAC | $1K | $0 | $1K | 2.55% |
| CHRISTOPHER YOST3 | 2751 CRESCENT STREET, APARTMENT 2A ASTORIA, NY 11102 | AFLAC | $596 | $0 | $596 | 1.31% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | 11 OVERHILL ROAD FAIRFIELD, CT 06824 | AFLAC | $373 | $0 | $373 | 0.82% |
| STEPHEN WHITE3 | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $317 | $0 | $317 | 0.70% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $263 | $0 | $263 | 0.58% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.31% |
| RCM AND D3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $707 | $0 | $707 | 15.00% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $213 | $0 | $213 | 5.07% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 RIVERSIDE DRIVE, SUITE 200 CAMDEN, NJ 08103 | AFLAC | $100 | $0 | $100 | 2.38% |
| MJ INSURANCE3 Filed as: BRETT DIAMOND AND VARIOUS AGENTS | 4 DEVONSHIRE WAY HALFMOON, NY 12065 | AFLAC | $56 | $0 | $56 | 1.33% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $27 | $0 | $27 | 0.64% |
| MICHAEL REYES3 Filed as: MICHAEL ROBERTS | 535 CONNECTICUT AVENUE, SUITE 103 NORWALK, CT 06854 | AFLAC | $18 | $0 | $18 | 0.43% |
| RICHARD WHELAN3 | 3507 NORTHWEST CLUBSIDE CIRCLE BOCA RATON, FL 33496 | AFLAC | $14 | $0 | $14 | 0.33% |
| KENNETH MEIER3 | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $11 | $0 | $11 | 0.26% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $33 | $11 | $44 | 12.87% |
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 | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 509 | $4.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 658 | $269K |
| Vision | VISION SERVICE PLAN | 180 | $19K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 354 | $308K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 354 | $308K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 354 | $308K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 509 | $4.7M |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 354 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.