| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | AETNA INC. | $15K | $0 | $15K | 5.49% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUA SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY 223165 0001 LTD | $11K | $1K | $13K | 10.52% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUA SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY 223166 | $4K | $797 | $4K | 6.88% |
| 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 | $0 | $0 | $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 223166 | $0 | $0 | $0 | 0.00% |
| CORPORATE SYNERGIES GROUP LLC | THE FERRY TERMINAL BLDG 2 AQUA STE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY 426536 | $5K | $871 | $6K | 16.41% |
| LOUISE MOORE3 | 105 LATOUR WAY GREER, SC 29650 | AFLAC | $1K | $0 | $1K | 3.09% |
| NANCY LAPHAM3 Filed as: NANCY A HOAGLAND | 223 BROOK STREET OAKDALE, NY 11769 | AFLAC | $675 | $0 | $675 | 1.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $663 | $0 | $663 | 1.88% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $513 | $0 | $513 | 1.46% |
| BARBARA FONTI3 | 223 WALL STREET SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $357 | $0 | $357 | 1.01% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $291 | $0 | $291 | 0.83% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR 4TH FLOOR WINCHESTER, MA 01890 | AFLAC | $140 | $0 | $140 | 0.40% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $139 | $0 | $139 | 0.39% |
| PHILIP MINARCIK3 | 1 MARVIN LANE COMMACK, NY 11725 | AFLAC | $116 | $0 | $116 | 0.33% |
| BARBARA ANN MEYER3 Filed as: BARBARA MEYER | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $91 | $0 | $91 | 0.26% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY STE. 1015 W HOLBROOK, NY 11741 | AFLAC | $63 | $0 | $63 | 0.18% |
| ANN FISCHER3 | 16 MYSTIC LANE NORTHPORT, NY 11768 | AFLAC | $57 | $0 | $57 | 0.16% |
| WILLIAM WHICHER3 Filed as: WILLIAM H WHICHER | 11 KEENAN PL GARDEN CITY, NY 11530 | AFLAC | $52 | $0 | $52 | 0.15% |
| SHAUN T KONIOR3 | 31 STRATFORD GRN FARMINGDALE, NY 11735 | AFLAC | $33 | $0 | $33 | 0.09% |
| LEWIS R B ASSOCIATES INC3 | 22 JERICHO TPKE SUITE 105 MINEOLA, NY 11501 | AFLAC | $33 | $0 | $33 | 0.09% |
| ROBERT NIVEYRO3 | PO BOX 2647 LUTZ, FL 33548 | AFLAC | $28 | $0 | $28 | 0.08% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $27 | $0 | $27 | 0.08% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $27 | $0 | $27 | 0.08% |
| DIANE ANDREE3 | 15 SMITH STREET MASTIC, NY 11950 | AFLAC | $22 | $0 | $22 | 0.06% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $20 | $0 | $20 | 0.06% |
| EDWIN O'CONNOR3 | P.O. BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $18 | $0 | $18 | 0.05% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II LLC | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $13 | $0 | $13 | 0.04% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $4 | $0 | $4 | 0.01% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $4 | $0 | $4 | 0.01% |
| KATHERINE C WOOD3 Filed as: KATHERINE GRIMES | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $4 | $0 | $4 | 0.01% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $4 | $0 | $4 | 0.01% |
| KENNETH J HARASYM3 | 159 ROUTE 25A UNIT 1 STE D MILLER PLACE, NY 11764 | AFLAC | — | — | $0 | 0.00% |
| CHRISTOPHER E MOORE3 | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | — | — | $0 | 0.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC. | — | HM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUA SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY 213796 | $3K | $284 | $4K | 16.31% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $557 | $0 | $557 | 8.47% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $0 | $24 | $24 | 0.37% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $0 | $21 | $21 | 0.32% |
| TIMOTHY W POWERS3 Filed as: TIMOTHY J HELMAN | 2550 STONEHAVEN DR SUN PRAIRIE, WI 53590 | AFLAC | $192 | $0 | $192 | 3.40% |
| BARBARA ANN MEYER3 | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $137 | $0 | $137 | 2.42% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $66 | $0 | $66 | 1.17% |
| ROBERT FELIX3 Filed as: ROBERT S FELIX | 6650 WILMOT LN AVON, IN 46123 | AFLAC | $42 | $0 | $42 | 0.74% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF INDIANA INC. | 11595 N MERIDIAN STREET SUITE 250 CARMEL, IN 46032 | AFLAC | $40 | $0 | $40 | 0.71% |
| SHANA WOLF3 | 11260 CHESTER RD SUITE 500 CINCINNATI, OH 45246 | AFLAC | $28 | $0 | $28 | 0.50% |
| CAROL MULLEN3 | 1708 MT VERNON DRIVE COVINGTON, KY 41011 | AFLAC | $20 | $0 | $20 | 0.35% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $20 | $0 | $20 | 0.35% |
| TODD BURKE3 | 401 E 80TH ST APT 6J NEW YORK, NY 10075 | AFLAC | $13 | $0 | $13 | 0.23% |
| AMANDA HELMAN3 Filed as: AMANDA J HELMAN | PO BOX 247 BIRCHWOOD, WI 54817 | AFLAC | $13 | $0 | $13 | 0.23% |
| KENNETH MEIER3 | 11835 QUEENS BLVD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $11 | $0 | $11 | 0.19% |
| ASSUREDPARTNERS3 Filed as: LINDA N SHEPHERD | 7463 BRIDGE POINT PASS CINCINNATI, OH 45248 | AFLAC | $11 | $0 | $11 | 0.19% |
| MARLENE GUTTMAN3 | 9201 SHALLOW CREEK DRIVE LOVELAND, OH 45140 | AFLAC | $8 | $0 | $8 | 0.14% |
| KATHRYN HOFFMAN3 | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $6 | $0 | $6 | 0.11% |
| DEBRA HENDRICKSON3 | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $6 | $0 | $6 | 0.11% |
| MELISSA A BRINKER3 Filed as: MELISSA BRINKER | 11260 CHESTER RD STE 100 CINCINNATI, OH 45246 | AFLAC | $6 | $0 | $6 | 0.11% |
| JAMES BUONFIGLIO3 | 755 NEW YORK AVE STE 220 HUNTINGTON, NY 11743 | AFLAC | $4 | $0 | $4 | 0.07% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $3 | $0 | $3 | 0.05% |
| JOHN T CLANCY3 Filed as: JOHN CLANCY | 4025 PETE DYE BLVD. CARMEL, IN 46033 | AFLAC | $3 | $0 | $3 | 0.05% |
| MATTHEW G BERGER3 Filed as: MATTHEW COOK | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $3 | $0 | $3 | 0.05% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 631 GREENFORD TRL W CARMEL, IN 46032 | AFLAC | $3 | $0 | $3 | 0.05% |
| MELISSA A BRINKER | 4998 BARNSBY LN CINCINNATI, OH 45244 | AFLAC | $3 | $0 | $3 | 0.05% |
| AMY E COHEN3 Filed as: AMY GEHLHAUSEN | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $2 | $0 | $2 | 0.04% |
| ROBERT NIVEYRO3 | 47 FOXGLOVE ROW RIVERHEAD, NY 11901 | AFLAC | $1 | $0 | $1 | 0.02% |
| BARBARA FONTI3 Filed as: BARBARA A FONTI | 223 WALL ST. #159 HUNTINGTON, NY 11743 | AFLAC | $1 | $0 | $1 | 0.02% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $1 | $0 | $1 | 0.02% |
| ASSUREDPARTNERS3 Filed as: JENNIFER MITCHEN | 9247 N MERIDIAN ST SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $1 | $0 | $1 | 0.02% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA ROWE | 3386 CHALICE CT PLAINFIELD, IN 46168 | AFLAC | $1 | $0 | $1 | 0.02% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | $0 | $1 | 0.02% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI II | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | — | $0 | $0 | 0.00% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | — | $0 | $0 | 0.00% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | — | $0 | $0 | 0.00% |
| KANDACE M MCCARTHY3 Filed as: KANDACE MCCARTHY | PO BOX 1047 304 CANTERFIELD PKWY W WEST DUNDEE, IL 60118 | AFLAC | — | $0 | $0 | 0.00% |
| GREGORY MEYER3 | 301 ELM ST STE 520 GREENSBORO, NC 27401 | AFLAC | — | $0 | $0 | 0.00% |
| GREGORY E MEYER3 | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | — | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMP EIN 59-1031071 ADMINISTRATIVE AGREEMENT | Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan; Named fiduciary; Contract Administrator; Float revenue Service code 12 | — | $235K |
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 | 513 | 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) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA INC. | 723 | $277K |
| Vision | HM LIFE INSURANCE COMPANY | 775 | $34K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 490 | $259K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE CO | 713 | $758K |
| Other(7 contracts, 6 carriers) | FIRST UNUM LIFE INSURANCE COMPANY 223165 0001 LTD | 490 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.