| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60143 | AETNA INC. | $8K | $3K | $11K | 3.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD, SUITE 1000 ROLLING MEADOWS, IL 60008 | AETNA INC. | $4K | — | $4K | 1.23% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | AETNA INC. | $2K | — | $2K | 0.79% |
| KESTRA INVESTMENT SERVICES LLC3 | 5707 SOUTHWEST PKWY SUITE 2 SUITE 400 AUSTIN, TX 78735 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1 JERICHO PLZ SUITE 200 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY 223165 0001 STD | $4K | — | $4K | 4.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLD RD 11TH FL ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INSURANCE COMPANY 223165 0001 STD | — | $737 | $737 | 0.84% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUA SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY 223165 0001 STD | $292 | $365 | $657 | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1 JERICHO PLZ SUITE 200 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY 223165 0001 LTD | $8K | — | $8K | 8.59% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | THE FERRY TERMINAL BLDG 2 AQUA SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY 223165 0001 LTD | $2K | $362 | $2K | 2.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLD RD 11TH FL ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INSURANCE COMPANY 223165 0001 LTD | — | $731 | $731 | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1 JERICHO PLZ SUITE 200 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY 223166 | $4K | — | $4K | 4.52% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUA SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY 223166 | $295 | $738 | $1K | 1.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INSURANCE COMPANY 223166 | — | $717 | $717 | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60143 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 5.16% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC. | — | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 4.84% |
| CHRISTOPHER E MOORE3 | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $925 | — | $925 | 3.14% |
| NANCY LAPHAM3 Filed as: NANCY A HOAGLAND | 223 BROOK STREET OAKDALE, NY 11769 | AFLAC | $636 | — | $636 | 2.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | AFLAC | $539 | — | $539 | 1.83% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $394 | — | $394 | 1.34% |
| BARBARA FONTI3 | 223 WALL STREET SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $289 | — | $289 | 0.98% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $254 | — | $254 | 0.86% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR 4TH FLOOR WINCHESTER, MA 01890 | AFLAC | $126 | — | $126 | 0.43% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $116 | — | $116 | 0.39% |
| ANN FISCHER3 | 16 MYSTIC LANE NORTHPORT, NY 11768 | AFLAC | $111 | — | $111 | 0.38% |
| PHILIP MINARCIK3 | 1 MARVIN LANE COMMACK, NY 11725 | AFLAC | $104 | — | $104 | 0.35% |
| BARBARA ANN MEYER3 Filed as: BARBARA MEYER | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $59 | — | $59 | 0.20% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY STE. 1015 W HOLBROOK, NY 11741 | AFLAC | $45 | — | $45 | 0.15% |
| ROBERT NIVEYRO3 | 47 FOXGLOVE ROW RIVERHEAD, NY 11901 | AFLAC | $43 | — | $43 | 0.15% |
| WILLIAM WHICHER3 Filed as: WILLIAM H WHICHER | 1 LINDEN ST GARDEN CITY, NY 11530 | AFLAC | $33 | — | $33 | 0.11% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $24 | — | $24 | 0.08% |
| LEWIS R B ASSOCIATES INC3 | 22 JERICHO TPKE SUITE 105 MINEOLA, NY 11501 | AFLAC | $22 | — | $22 | 0.07% |
| SHAUN T KONIOR3 | 1410 MITCHEL FIELD WAY GARDEN CITY, NY 11530 | AFLAC | $21 | — | $21 | 0.07% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $18 | — | $18 | 0.06% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $17 | — | $17 | 0.06% |
| DIANE ANDREE3 | 15 SMITH STREET MASTIC, NY 11950 | AFLAC | $14 | — | $14 | 0.05% |
| EDWIN O'CONNOR3 | P.O. BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $12 | — | $12 | 0.04% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II LLC | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $11 | — | $11 | 0.04% |
| KENNETH J HARASYM3 | 159 ROUTE 25A UNIT 1 STE D MILLER PLACE, NY 11764 | AFLAC | $5 | — | $5 | 0.02% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $3 | — | $3 | 0.01% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $3 | — | $3 | 0.01% |
| KATHERINE C WOOD3 Filed as: KATHERINE GRIMES | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $3 | — | $3 | 0.01% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $2 | — | $2 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1 JERICHO PLZ SUITE 200 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY 213796 | $2K | — | $2K | 10.80% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUA SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY 213796 | $878 | $111 | $989 | 4.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INSURANCE COMPANY 213796 | — | $286 | $286 | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 14TH FLOOR ITASCA, NY 60143 | JOHN HANCOCK | $539 | — | $539 | 3.81% |
| AMANDA HELMAN3 Filed as: AMANDA J HELMAN | 1934 ANHALT DR MADISON, WI 53704 | AFLAC | $405 | — | $405 | 4.30% |
| BARBARA ANN MEYER3 | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $209 | — | $209 | 2.22% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $100 | — | $100 | 1.06% |
| JAMES BUONFIGLIO3 | 485 UNDERHILL BLVD SUITE 304 SYOSSET, NY 11791 | AFLAC | $65 | — | $65 | 0.69% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF INDIANA INC. | 11595 N MERIDIAN STREET SUITE 250 CARMEL, IN 46032 | AFLAC | $41 | — | $41 | 0.43% |
| SHANA WOLF3 | 11260 CHESTER RD SUITE 500 CINCINNATI, OH 45246 | AFLAC | $35 | — | $35 | 0.37% |
| ROBERT NIVEYRO3 | 47 FOXGLOVE ROW RIVERHEAD, NY 11901 | AFLAC | $31 | — | $31 | 0.33% |
| ROBERT FELIX3 Filed as: ROBERT S FELIX | 6650 WILMOT LN AVON, IN 46123 | AFLAC | $30 | — | $30 | 0.32% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $25 | — | $25 | 0.27% |
| KENNETH MEIER3 | 11835 QUEENS BLVD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $22 | — | $22 | 0.23% |
| CAROL MULLEN3 | 1708 MT VERNON DRIVE COVINGTON, KY 41011 | AFLAC | $15 | — | $15 | 0.16% |
| BARBARA FONTI3 Filed as: BARBARA A FONTI | 223 WALL ST. #159 HUNTINGTON, NY 11743 | AFLAC | $14 | — | $14 | 0.15% |
| MELISSA A BRINKER3 Filed as: MELISSA BRINKER | 11260 CHESTER RD STE 100 CINCINNATI, OH 45246 | AFLAC | $12 | — | $12 | 0.13% |
| TODD BURKE3 | 1 SEAPORT PLAZA 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $11 | — | $11 | 0.12% |
| MARLENE GUTTMAN3 | 9201 SHALLOW CREEK DRIVE LOVELAND, OH 45140 | AFLAC | $10 | — | $10 | 0.11% |
| KATHRYN HOFFMAN3 | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $8 | — | $8 | 0.08% |
| ASSUREDPARTNERS3 Filed as: LINDA N SHEPHERD | 7463 BRIDGE POINT PASS CINCINNATI, OH 45248 | AFLAC | $8 | — | $8 | 0.08% |
| JOHN T CLANCY3 Filed as: JOHN CLANCY | 4025 PETE DYE BLVD. CARMEL, IN 46033 | AFLAC | $5 | — | $5 | 0.05% |
| MATTHEW G BERGER3 Filed as: MATTHEW COOK | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $5 | — | $5 | 0.05% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 631 GREENFORD TRL W CARMEL, IN 46032 | AFLAC | $5 | — | $5 | 0.05% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $4 | — | $4 | 0.04% |
| DEBRA HENDRICKSON3 | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $4 | — | $4 | 0.04% |
| AMY E COHEN3 Filed as: AMY GEHLHAUSEN | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $3 | — | $3 | 0.03% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA ROWE | 3386 CHALICE CT PLAINFIELD, IN 46168 | AFLAC | $2 | — | $2 | 0.02% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN JONES | 5977 WYSTERIA CT BROWNSBURG, IN 46112 | AFLAC | $2 | — | $2 | 0.02% |
| WARREN REID HAVENOR3 Filed as: WARREN HAVENOR | 306 S STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $2 | — | $2 | 0.02% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $1 | — | $1 | 0.01% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI II | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.01% |
| ASSUREDPARTNERS3 Filed as: JENNIFER MITCHEN | 9247 N MERIDIAN ST SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $1 | — | $1 | 0.01% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20301 GRD OAK SH BLVD #118-32 ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $1 | — | $1 | 0.01% |
| ROBERT BURGETT3 | 1701 W 18TH ST SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $1 | — | $1 | 0.01% |
| KANDANCE M MCCARTHY3 Filed as: KANDANCE MCCARTHY | PO BOX 1047 304 CANTERFIELD PKWY W WEST DUNDEE, IL 60118 | AFLAC | — | — | $0 | 0.00% |
| GREGORY MEYER3 | 301 ELM ST STE 520 GREENSBORO, NC 27401 | AFLAC | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1 JERICHO PLZ SUITE 200 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY 223165 0003 | $133 | — | $133 | 4.01% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUA SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY 223165 0003 | $66 | $14 | $80 | 2.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INSURANCE COMPANY 223165 0003 | — | $28 | $28 | 0.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC EIN 23-7391136 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Other fees; Claims processing; Float revenue Service code 12 | — | $337K |
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $159K |
| CORPORATE SYNERGIES GROUP LLC EIN 20-1622581 | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $27K |
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 | 588 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA INC. | 800 | $314K |
| Vision | HM LIFE INSURANCE COMPANY | 835 | $39K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 589 | $308K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY 223165 0001 LTD | 517 | $91K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 328 | $865K |
| Other(7 contracts, 6 carriers) | FIRST UNUM LIFE INSURANCE COMPANY 223165 0001 STD | 589 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 835 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.