| 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 | — | $107K | $107K | 9.90% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | AETNA INC. | $15K | — | $15K | 5.38% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $20K | — | $20K | 11.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | — | $5K | 6.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC. | — | HM LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CORPORATE SYNERGIES GROUP LLC3 | ONE HUNTINGTON QUADRANGLE SUITE 4N02 MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 7.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $329 | — | $329 | 1.40% |
| CHRISTOPHER E MOORE3 | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $651 | — | $651 | 2.93% |
| NANCY LAPHAM3 Filed as: NANCY A HOAGLAND | 223 BROOK STREET OAKDALE, NY 11769 | AFLAC | $509 | — | $509 | 2.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $452 | — | $452 | 2.03% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $369 | — | $369 | 1.66% |
| BARBARA FONTI3 | 223 WALL STREET SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $259 | — | $259 | 1.16% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $159 | — | $159 | 0.71% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $115 | — | $115 | 0.52% |
| BARBARA ANN MEYER3 Filed as: BARBARA MEYER | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $83 | — | $83 | 0.37% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR 4TH FLOOR WINCHESTER, MA 01890 | AFLAC | $72 | — | $72 | 0.32% |
| PHILIP MINARCIK3 | 1 MARVIN LANE COMMACK, NY 11725 | AFLAC | $48 | — | $48 | 0.22% |
| WILLIAM WHICHER3 Filed as: WILLIAM H WHICHER | 11 KEENAN PL GARDEN CITY, NY 11530 | AFLAC | $48 | — | $48 | 0.22% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY STE. 1015 W HOLBROOK, NY 11741 | AFLAC | $46 | — | $46 | 0.21% |
| LEWIS R B ASSOCIATES INC3 | 22 JERICHO TPKE SUITE 105 MINEOLA, NY 11501 | AFLAC | $31 | — | $31 | 0.14% |
| SHAUN T KONIOR3 | 31 STRATFORD GRN FARMINGDALE, NY 11735 | AFLAC | $30 | — | $30 | 0.13% |
| ROBERT NIVEYRO3 | PO BOX 2647 LUTZ, FL 33548 | AFLAC | $24 | — | $24 | 0.11% |
| DIANE ANDREE3 | 15 SMITH STREET MASTIC, NY 11950 | AFLAC | $21 | — | $21 | 0.09% |
| EDWIN O'CONNOR3 | P.O. BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $17 | — | $17 | 0.08% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $16 | — | $16 | 0.07% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $15 | — | $15 | 0.07% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $14 | — | $14 | 0.06% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II LLC | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $11 | — | $11 | 0.05% |
| TODD J BURKE CORP3 | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $4 | — | $4 | 0.02% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 | 248 ROUTE 25A #3009 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 | $3 | — | $3 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | JOHN HANCOCK INSURANCE | $201 | — | $201 | 1.86% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $893 | — | $893 | 20.01% |
| TIMOTHY W POWERS3 Filed as: TIMOTHY J HELMAN | 2550 STONEHAVEN DR SUN PRAIRIE, WI 53590 | AFLAC | $122 | — | $122 | 2.87% |
| BARBARA ANN MEYER3 | 2916 HATTERAS WAY NAPLES, FL 34119 | AFLAC | $110 | — | $110 | 2.59% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $47 | — | $47 | 1.11% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF INDIANA INC. | 11595 N MERIDIAN STREET SUITE 250 CARMEL, IN 46032 | AFLAC | $34 | — | $34 | 0.80% |
| SHANA WOLF3 | 11260 CHESTER RD SUITE 500 CINCINNATI, OH 45246 | AFLAC | $24 | — | $24 | 0.56% |
| CAROL MULLEN3 | 1708 MT VERNON DRIVE COVINGTON, KY 41011 | AFLAC | $20 | — | $20 | 0.47% |
| ROBERT FELIX3 Filed as: ROBERT S FELIX | 6650 WILMOT LN AVON, IN 46123 | AFLAC | $18 | — | $18 | 0.42% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $15 | — | $15 | 0.35% |
| TODD BURKE3 | 365 STEWART AVE APT A14 GARDEN CITY, NY 11530 | AFLAC | $13 | — | $13 | 0.31% |
| ASSUREDPARTNERS3 Filed as: LINDA N SHEPHERD | 7463 BRIDGE POINT PASS CINCINNATI, OH 45248 | AFLAC | $11 | — | $11 | 0.26% |
| KENNETH MEIER3 | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $9 | — | $9 | 0.21% |
| MELISSA A BRINKER3 Filed as: MELISSA BRINKER | 4998 BARNSBY LN CINCINNATI, OH 45244 | AFLAC | $8 | — | $8 | 0.19% |
| MARLENE GUTTMAN3 | 9201 SHALLOW CREEK DRIVE LOVELAND, OH 45140 | AFLAC | $7 | — | $7 | 0.16% |
| DEBRA HENDRICKSON3 | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $6 | — | $6 | 0.14% |
| KATHRYN HOFFMAN3 | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $5 | — | $5 | 0.12% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $2 | — | $2 | 0.05% |
| 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 | 0.02% |
| AMY E COHEN3 Filed as: AMY GEHLHAUSEN | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $1 | — | $1 | 0.02% |
| ASSUREDPARTNERS3 Filed as: JENNIFER MITCHEN | 9247 N MERIDIAN ST SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $1 | — | $1 | 0.02% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.02% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.02% |
| KANDACE M MCCARTHY3 Filed as: KANDACE MCCARTHY | 1171 HEAVENS GATE LAKE IN THE HILLS, IL 60156 | AFLAC | $1 | — | $1 | 0.02% |
| GREGORY MEYER3 | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | $1 | — | $1 | 0.02% |
| 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 | $384 | — | $384 | 11.02% |
| 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 | — | $50 | $50 | 1.43% |
| 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 | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | — | $266K |
| CIGNA HEALTH AND LIFE INSURANCE COM | Other services; Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $0 |
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 | 684 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA INC. | 738 | $287K |
| Vision | HM LIFE INSURANCE COMPANY | 750 | $37K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 623 | $454K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 578 | $78K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE CO | 696 | $1.1M |
| Other(9 contracts, 6 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 622 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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.