| 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 | $157K | $1K | $159K | 9.77% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 5.97% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $73 | $73 | 0.03% |
| MJ INSURANCE3 Filed as: STEPHEN P WHITE AND VARIOUS AGENTS | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $2K | — | $2K | 4.29% |
| KEITH LEPACK3 | 1991 BROADWAY APT 12B NEW YORK, NY 10023 | AFLAC | $1K | — | $1K | 3.90% |
| BRETT G. DIAMOND3 Filed as: BRETT G DIAMOND | 4 DEVONSHIRE WAY HALFMOON, NY 12065 | AFLAC | $694 | — | $694 | 1.92% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $539 | — | $539 | 1.49% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $239 | — | $239 | 0.66% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $225 | — | $225 | 0.62% |
| IVAN M SERVAIS3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $224 | — | $224 | 0.62% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $2K | — | $2K | 4.69% |
| KEITH LEPACK3 | 1991 BROADWAY APT 12B NEW YORK, NY 10023 | AFLAC | $719 | $32 | $751 | 16.10% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $75 | $7 | $82 | 1.76% |
| DEBORAH POPPERT3 Filed as: DEBORAH L POPPERT AND VARIOUS | AGENTS 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $56 | — | $56 | 1.20% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $32 | — | $32 | 0.69% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 12 COURTNEY LN BREWSTER, NY 10509 | AFLAC | $32 | — | $32 | 0.69% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $13 | — | $13 | 0.28% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $13 | — | $13 | 0.28% |
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 | 403 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 607 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 607 | $1.6M |
| Vision | VISION SERVICE PLAN | 277 | $33K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 403 | $227K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 403 | $227K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 403 | $227K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 607 | $1.6M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 607 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
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."
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.