| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $136K | $13K | $148K | 2.91% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | — | $13K | 3.97% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUA STE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $3K | $15K | 5.45% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUA STE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $2K | $11K | 7.22% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP LLC AND | VARIES AGENTS 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $2K | $21 | $2K | 5.21% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $1K | $9 | $1K | 4.13% |
| LORENA GILER LOPEZ3 | 7784 271ST ST NEW HYDE PARK, NY 11040 | AFLAC | $607 | — | $607 | 1.73% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $580 | — | $580 | 1.65% |
| FAITH ANN SQUARE3 | 1912 BOGART AVE APT 1 BRONX, NY 10462 | AFLAC | $402 | — | $402 | 1.15% |
| BRETT G. DIAMOND3 Filed as: BRETT G DIAMOND | 4 DEVONSHIRE WAY HALFMOON, NY 12065 | AFLAC | $258 | — | $258 | 0.74% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $252 | — | $252 | 0.72% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $1K | — | $1K | 4.79% |
| RCM AND D3 Filed as: RCM&D | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $693 | — | $693 | 15.00% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $180 | — | $180 | 5.06% |
| KENNETH MEIER3 Filed as: KENNETH C MEIER AND VARIES AGENTS | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $62 | — | $62 | 1.74% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 12 COURTNEY LN BREWSTER, NY 10509 | AFLAC | $55 | — | $55 | 1.55% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES LLC | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $29 | — | $29 | 0.82% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $23 | — | $23 | 0.65% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $12 | — | $12 | 0.34% |
| BRETT G. DIAMOND3 Filed as: BRETT G DIAMOND | 4 DEVONSHIRE WAY HALFMOON, NY 12065 | AFLAC | $11 | — | $11 | 0.31% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 551 | $5.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 300 | $315K |
| Vision | VISION SERVICE PLAN | 204 | $21K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 347 | $427K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 347 | $427K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 347 | $427K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 551 | $5.1M |
| Other(5 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 347 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.