| 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 | — | $111K | $111K | 5.19% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $11K | $13K | $24K | 6.57% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $616 | $8K | 5.38% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $1K | — | $1K | 5.77% |
| PAUL S MANNA JR3 | 201 WASHINGTON AVE PLEASANTVILLE, NY 10570 | AFLAC | $201 | — | $201 | 6.05% |
| BARBARA A. MEYER3 Filed as: BARBARA A MEYER AND VARIOUS | AGENTS 6 HICKORY LN LEVITTOWN, NY 11756 | AFLAC | $55 | — | $55 | 1.66% |
| CAMILLO MONACO3 | 79 COLUMBUS AVE APT 2B WEST HARRISON, NY 10604 | AFLAC | $41 | — | $41 | 1.23% |
| SHARON NEIMANIS3 | 45 OLD OX RD MANHASSET, NY 11030 | AFLAC | $29 | — | $29 | 0.87% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $23 | — | $23 | 0.69% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $18 | — | $18 | 0.54% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DR NEW ROCHELLE, NY 10804 | AFLAC | $17 | — | $17 | 0.51% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 245 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 194 | $144K |
| Vision | VISION SERVICE PLAN | 165 | $18K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 272 | $373K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 272 | $370K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 272 | $370K |
| Other | AFLAC | 4 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.