| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $11K | $7K | $18K | 9.21% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $48 | $3K | 3.43% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $583 | — | $583 | 7.96% |
| PAUL S MANNA JR3 | 201 WASHINGTON AVE PLEASANTVILLE, NY 10570 | AFLAC | $417 | — | $417 | 6.69% |
| KOBER ASSOCIATES LLC3 Filed as: KOBER ASSOCIATES LLC & VARIOUS | AGENTS 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $108 | — | $108 | 1.73% |
| SHARON NEIMANIS3 | 45 OLD OX RD MANHASSET, NY 11030 | AFLAC | $64 | — | $64 | 1.03% |
| CAMILLO MONACO3 | 79 COLUMBUS AVE APT 2B WEST HARRISON, NY 10604 | AFLAC | $61 | — | $61 | 0.98% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $33 | — | $33 | 0.53% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $22 | — | $22 | 0.35% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $17 | — | $17 | 0.27% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $92K |
| Vision | VISION SERVICE PLAN | 65 | $7K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 115 | $201K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 115 | $194K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 115 | $194K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 115 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.