| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE CO | — | $101K | $101K | 9.28% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | AETNA INC. | $13K | — | $13K | 5.18% |
| CORPORATE SYNERGIES GROUP LLC3 | ONE HUNTINGTON QUADRANGLE SUITE 4N02 MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY 223165 0001 LTD | $14K | $3K | $17K | 8.76% |
| CORPORATE SYNERGIES GROUP LLC3 | ONE HUNTINGTON QUADRANGLE SUITE 4N02 MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY 223166 | $4K | $1K | $5K | 5.40% |
| CORPORATE SYNERGIES GROUP LLC3 | ONE HUNTINGTON QUADRANGLE SUITE 4N02 MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY 426536 | $5K | $591 | $5K | 11.25% |
| CORPORATE SYNERGIES GROUP LLC3 | ONE HUNTINGTON QUADRANGLE SUITE 4N02 MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY 213796 | $5K | $439 | $5K | 15.28% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC. | — | HM LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| CHRISTOPHER E MOORE3 | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $692 | — | $692 | 3.39% |
| NANCY LAPHAM3 Filed as: NANCY A HOAGLAND | 223 BROOK STREET OAKDALE, NY 11769 | AFLAC | $463 | — | $463 | 2.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $438 | — | $438 | 2.14% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $361 | — | $361 | 1.77% |
| BARBARA FONTI3 | 223 WALL STREET SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $232 | — | $232 | 1.14% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $169 | — | $169 | 0.83% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $107 | — | $107 | 0.52% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR 4TH FLOOR WINCHESTER, MA 01890 | AFLAC | $79 | — | $79 | 0.39% |
| BARBARA ANN MEYER3 Filed as: BARBARA MEYER | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $78 | — | $78 | 0.38% |
| PHILIP MINARCIK3 | 1 MARVIN LANE COMMACK, NY 11725 | AFLAC | $50 | — | $50 | 0.24% |
| WILLIAM WHICHER3 Filed as: WILLIAM H WHICHER | 11 KEENAN PL GARDEN CITY, NY 11530 | AFLAC | $44 | — | $44 | 0.22% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY STE. 1015 W HOLBROOK, NY 11741 | AFLAC | $43 | — | $43 | 0.21% |
| LEWIS R B ASSOCIATES INC3 | 22 JERICHO TPKE SUITE 105 MINEOLA, NY 11501 | AFLAC | $29 | — | $29 | 0.14% |
| SHAUN T KONIOR3 | 31 STRATFORD GRN FARMINGDALE, NY 11735 | AFLAC | $28 | — | $28 | 0.14% |
| ROBERT NIVEYRO3 | PO BOX 2647 LUTZ, FL 33548 | AFLAC | $24 | — | $24 | 0.12% |
| DIANE ANDREE3 | 15 SMITH STREET MASTIC, NY 11950 | AFLAC | $19 | — | $19 | 0.09% |
| EDWIN O'CONNOR3 | P.O. BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $15 | — | $15 | 0.07% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $15 | — | $15 | 0.07% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $14 | — | $14 | 0.07% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $14 | — | $14 | 0.07% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II LLC | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $10 | — | $10 | 0.05% |
| TODD J BURKE CORP3 | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $3 | — | $3 | 0.01% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 | 248 ROUTE 25A #3009 EAST SETAUKET, NY 11733 | AFLAC | $3 | — | $3 | 0.01% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $3 | — | $3 | 0.01% |
| KATHERINE C WOOD3 Filed as: KATHERINE GRIMES | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $2 | — | $2 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $911 | — | $911 | 5.61% |
| CORPORATE SYNERGIES GROUP LLC3 | ONE HUNTINGTON QUADRANGLE SUITE 4N02 MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $400 | — | $400 | 2.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | JOHN HANCOCK INSURANCE | $213 | — | $213 | 1.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURAN | $177 | — | $177 | 4.33% |
| CORPORATE SYNERGIES GROUP LLC3 | ONE HUNTINGTON QUADRANGLE SUITE 4N02 MELVILLE, NY 11747 | PROVIDENT LIFE AND ACCIDENT INSURAN | $61 | — | $61 | 1.49% |
| TIMOTHY W POWERS3 Filed as: TIMOTHY J HELMAN | 2550 STONEHAVEN DR SUN PRAIRIE, WI 53590 | AFLAC | $114 | — | $114 | 2.88% |
| BARBARA ANN MEYER3 | 2916 HATTERAS WAY NAPLES, FL 34119 | AFLAC | $102 | — | $102 | 2.58% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $44 | — | $44 | 1.11% |
| ROBERT FELIX3 Filed as: ROBERT S FELIX | 6650 WILMOT LN AVON, IN 46123 | AFLAC | $36 | — | $36 | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF INDIANA INC. | 11595 N MERIDIAN STREET SUITE 250 CARMEL, IN 46032 | AFLAC | $32 | — | $32 | 0.81% |
| SHANA WOLF3 | 11260 CHESTER RD SUITE 500 CINCINNATI, OH 45246 | AFLAC | $24 | — | $24 | 0.61% |
| CAROL MULLEN3 | 1708 MT VERNON DRIVE COVINGTON, KY 41011 | AFLAC | $18 | — | $18 | 0.46% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $14 | — | $14 | 0.35% |
| TODD BURKE3 | 401 E 80TH ST APT 6J NEW YORK, NY 10075 | AFLAC | $12 | — | $12 | 0.30% |
| ASSUREDPARTNERS3 Filed as: LINDA N SHEPHERD | 7463 BRIDGE POINT PASS CINCINNATI, OH 45248 | AFLAC | $10 | — | $10 | 0.25% |
| KENNETH MEIER3 | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $8 | — | $8 | 0.20% |
| MELISSA A BRINKER3 Filed as: MELISSA BRINKER | 4998 BARNSBY LN CINCINNATI, OH 45244 | AFLAC | $8 | — | $8 | 0.20% |
| MARLENE GUTTMAN3 | 9201 SHALLOW CREEK DRIVE LOVELAND, OH 45140 | AFLAC | $7 | — | $7 | 0.18% |
| KATHRYN HOFFMAN3 | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $5 | — | $5 | 0.13% |
| DEBRA HENDRICKSON3 | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $5 | — | $5 | 0.13% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $3 | — | $3 | 0.08% |
| JOHN T CLANCY3 Filed as: JOHN CLANCY | 4025 PETE DYE BLVD. CARMEL, IN 46033 | AFLAC | $2 | — | $2 | 0.05% |
| MATTHEW G BERGER3 Filed as: MATTHEW COOK | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $2 | — | $2 | 0.05% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 16258 DOGWOOD LN PLYMOUTH, IN 46563 | AFLAC | $2 | — | $2 | 0.05% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $1 | — | $1 | 0.03% |
| AMY E COHEN3 Filed as: AMY GEHLHAUSEN | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $1 | — | $1 | 0.03% |
| ASSUREDPARTNERS3 Filed as: JENNIFER MITCHEN | 9247 N MERIDIAN ST SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $1 | — | $1 | 0.03% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.03% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | — | — | $0 | 0.00% |
| KANDACE M MCCARTHY3 Filed as: KANDACE MCCARTHY | PO BOX 1047 304 CANTERFIELD PKWY W WEST DUNDEE, IL 60118 | AFLAC | — | — | $0 | 0.00% |
| GREGORY MEYER3 | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | — | — | $0 | 0.00% |
| KANDACE M MCCARTHY3 Filed as: KANDACE MCCARTHY | 6119 HIGHLAND LN VILLAGE OF LAKEWOOD, IL 60014 | AFLAC | — | — | $0 | 0.00% |
| 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 | $374 | — | $374 | 10.12% |
| 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 | — | $7 | $7 | 0.19% |
| RICHARD G MCGOWAN3 Filed as: RICHARD T BAUMGARTNER | — | PRUDENTIAL INSURANCE COMPANY | — | $7 | $7 | — |
| TODD BURKE3 Filed as: TODD M SIEGEL | — | PRUDENTIAL INSURANCE COMPANY | — | $7 | $7 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMP EIN 59-1031071 ADMINISTRATIVE AGR | Non-monetary compensation; Other services; Float revenue; Participant communication; Contract Administrator; Direct payment from the plan; Named fiduciary; Claims processing Service code 12 | — | $336K |
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 | 528 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA INC. | 752 | $260K |
| Vision | HM LIFE INSURANCE COMPANY | 741 | $33K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 506 | $347K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY 223165 0001 LTD | 494 | $194K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE CO | 709 | $1.1M |
| Other(11 contracts, 10 carriers) | FIRST UNUM LIFE INSURANCE COMPANY 223165 0001 LTD | 506 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.