| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $128K | $8K | $136K | 7.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $64K | $0 | $64K | 3.36% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE CO OF AMERICA | $11K | $8K | $19K | 7.67% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE SUITE 800 ATLANTA, GA 30305 | PRUDENTIAL INSURANCE CO OF AMERICA | $2K | $0 | $2K | 0.89% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE CO OF AMERICA | $0 | $80 | $80 | 0.03% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $863 | $0 | $863 | 2.32% |
| IVAN M SERVAIS3 Filed as: IVAN M. SERVAIS AND OTHER AGENTS | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $1K | $0 | $1K | 3.89% |
| KEITH LEPACK3 | 1991 BROADWAY, APARTMENT 12B NEW YORK, NY 10023 | AFLAC | $1K | $0 | $1K | 3.48% |
| BRETT G. DIAMOND3 | 4 DEVONSHIRE WAY HALFMOON, NY 12065 | AFLAC | $550 | $0 | $550 | 1.73% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 PARK AVENUE, 20TH FLOOR NEW YORK, NY 10016 | AFLAC | $453 | $0 | $453 | 1.43% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | 11 OVERHILL ROAD FAIRFIELD, CT 06824 | AFLAC | $182 | $0 | $182 | 0.57% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AFLAC | $179 | $0 | $179 | 0.56% |
| STEPHEN WHITE3 Filed as: STEPHEN P. WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $153 | $0 | $153 | 0.48% |
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 | 438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 670 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 670 | $1.9M |
| Vision | VISION SERVICE PLAN | 306 | $37K |
| Life insurance | PRUDENTIAL INSURANCE CO OF AMERICA | 438 | $248K |
| Short-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 438 | $248K |
| Long-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 438 | $248K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 670 | $1.9M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE CO OF AMERICA | 438 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 670 | — |
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.
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.