| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $193K | $9K | $202K | 14.67% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 6.23% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $65 | $65 | 0.03% |
| MJ INSURANCE3 Filed as: JAMES BURNS AND VARIOUS AGENTS | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $2K | $86 | $2K | 6.04% |
| KEITH LEPACK3 | 1991 BROADWAY APT 12B NEW YORK, NY 10023 | AFLAC | $2K | $51 | $2K | 5.08% |
| BRETT G. DIAMOND3 Filed as: BRETT G DIAMOND | 4 DEVONSHIRE WAY HALFMOON, NY 12065 | AFLAC | $742 | — | $742 | 2.01% |
| IVAN M SERVAIS3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $682 | — | $682 | 1.85% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $574 | — | $574 | 1.56% |
| BUJANA MULOSMANI3 | 323 E 19TH ST APT F BROOKLYN, NY 11226 | AFLAC | $423 | — | $423 | 1.15% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $245 | — | $245 | 0.66% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $1K | — | $1K | 4.51% |
| KEITH LEPACK3 | 1991 BROADWAY APT 12B NEW YORK, NY 10023 | AFLAC | $535 | — | $535 | 10.90% |
| MJ INSURANCE3 Filed as: RICHARD WHELAN AND VARIOUS AGENTS | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $82 | — | $82 | 1.67% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 12 COURTNEY LN BREWSTER, NY 10509 | AFLAC | $65 | — | $65 | 1.32% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $40 | — | $40 | 0.81% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES LLC | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $35 | — | $35 | 0.71% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $27 | — | $27 | 0.55% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 110 LIMERICK RD FAIRFIELD, CT 06824 | AFLAC | $18 | — | $18 | 0.37% |
| RCM AND D3 Filed as: RCM&D | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $693 | — | $693 | 15.00% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 538 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 538 | $1.4M |
| Vision | VISION SERVICE PLAN | 219 | $29K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 355 | $214K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 355 | $214K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 355 | $214K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 538 | $1.4M |
| Other(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 538 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.