| 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 | — | $103K | $103K | 8.45% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | AETNA INC. | $11K | — | $11K | 4.60% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $18K | $6K | $24K | 14.87% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $3K | $7K | 9.85% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $12K | $2K | $15K | 23.48% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $2K | $2K | 3.09% |
| CORPORATE SYNERGIES GROUP LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| NANCY LAPHAM3 Filed as: NANCY A HOAGLAND | 223 BROOK STREET OAKDALE, NY 11769 | AFLAC | $399 | $0 | $399 | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $375 | $0 | $375 | 1.87% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $312 | $0 | $312 | 1.56% |
| BARBARA FONTI3 | 223 WALL STREET SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $220 | $0 | $220 | 1.10% |
| JAMES (JAY) GRIMES3 | 554 ROBERT WILLIAMS RD PINE MOUNTAIN, GA 31822 | AFLAC | $128 | $0 | $128 | 0.64% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $94 | $0 | $94 | 0.47% |
| BARBARA ANN MEYER3 Filed as: BARBARA MEYER | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $78 | $0 | $78 | 0.39% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR 4TH FLOOR WINCHESTER, MA 01890 | AFLAC | $57 | $0 | $57 | 0.28% |
| PHILIP MINARCIK3 | 1 MARVIN LANE COMMACK, NY 11725 | AFLAC | $45 | $0 | $45 | 0.22% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY STE. 1015 W HOLBROOK, NY 11741 | AFLAC | $42 | $0 | $42 | 0.21% |
| WILLIAM WHICHER3 Filed as: WILLIAM H WHICHER | 11 KEENAN PL GARDEN CITY, NY 11530 | AFLAC | $33 | $0 | $33 | 0.16% |
| RICHARD LEWIS3 | 365 WILLIS AVE MINEOLA, NY 11501 | AFLAC | $29 | $0 | $29 | 0.14% |
| SHAUN T KONIOR | 31 STRATFORD GRN FARMINGDALE, NY 11735 | AFLAC | $28 | $0 | $28 | 0.14% |
| ROBERT NIVEYRO3 | PO BOX 2647 LUTZ, FL 33548 | AFLAC | $24 | $0 | $24 | 0.12% |
| DIANE ANDREE3 | 15 SMITH STREET MASTIC, NY 11950 | AFLAC | $19 | $0 | $19 | 0.09% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $18 | $0 | $18 | 0.09% |
| EDWIN O'CONNOR3 | 22 FAIRVIEW ROAD W MASSAPEQUA, NY 11758 | AFLAC | $15 | $0 | $15 | 0.07% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $13 | $0 | $13 | 0.06% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $11 | $0 | $11 | 0.05% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II LLC | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $9 | $0 | $9 | 0.04% |
| TODD BURKE3 | 199 WATER ST FL 32 NEW YORK, NY 10038 | AFLAC | $3 | $0 | $3 | 0.01% |
| SALVATORE A RESTIVO3 Filed as: SALVATORE RESTIVO | 248 ROUTE 25A #3009 EAST SETAUKET, NY 11733 | AFLAC | $3 | $0 | $3 | 0.01% |
| KATHERINE C WOOD3 Filed as: KATHERINE GRIMES | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $3 | $0 | $3 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $662 | $2K | 14.34% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $224 | $1K | 11.93% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $423 | $2K | 14.87% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $560 | $268 | $828 | 14.78% |
| CORPORATE SYNERGIES GROUP LLC Filed as: CORPORATE SYNERGIES GROUP, INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | METROPOLITAN GENERAL INSURANCE COMPANY | $477 | $63 | $540 | 12.42% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $744 | $139 | $883 | 23.74% |
| BARBARA ANN MEYER3 | 4232 RAFFIA PALM CIR NAPLES, FL 34119 | AFLAC | $93 | $0 | $93 | 3.66% |
| TIMOTHY W POWERS Filed as: TIMOTHY J HELMAN | 2550 STONEHAVEN DRIVE SUN PRAIRIE, WI 53590 | AFLAC | $56 | $0 | $56 | 2.20% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF INDIANA INC. | 11595 N MERIDIAN STREET SUITE 250 CARMEL, IN 46032 | AFLAC | $29 | $0 | $29 | 1.14% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $20 | $0 | $20 | 0.79% |
| SHANA WOLF3 | 11260 CHESTER RD SUITE 500 CINCINNATI, OH 45246 | AFLAC | $20 | $0 | $20 | 0.79% |
| CAROL MULLEN Filed as: CAROL A MULLEN | 1708 MOUNT VERNON DR COVINGTON, KY 41011 | AFLAC | $16 | — | $16 | 0.63% |
| TODD BURKE3 | 23 W MEADOW ROAD SETAUKET, NY 11733 | AFLAC | $11 | $0 | $11 | 0.43% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $11 | $0 | $11 | 0.43% |
| ASSUREDPARTNERS3 Filed as: LINDA N SHEPHERD | 7463 BRIDGE POINT PASS CINCINNATI, OH 45248 | AFLAC | $9 | $0 | $9 | 0.35% |
| MELISSA A BRINKER3 Filed as: MELISSA BRINKER | 4998 BARNSBY LN CINCINNATI, OH 45244 | AFLAC | $7 | $0 | $7 | 0.28% |
| KENNETH C MEIER CORP Filed as: KENNETH C MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $7 | — | $7 | 0.28% |
| MARLENE GUTTMAN3 | 9201 SHALLOW CREEK DRIVE LOVELAND, OH 45140 | AFLAC | $6 | $0 | $6 | 0.24% |
| DEBRA HENDRICKSON3 | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $5 | $0 | $5 | 0.20% |
| KATHRYN HOFFMAN3 | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $4 | $0 | $4 | 0.16% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $2 | $0 | $2 | 0.08% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $1 | $0 | $1 | 0.04% |
| JOHN T CLANCY3 Filed as: JOHN CLANCY | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $1 | $0 | $1 | 0.04% |
| MATTHEW G BERGER3 Filed as: MATTHEW COOK | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $1 | $0 | $1 | 0.04% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 16258 DOGWOOD LN PLYMOUTH, IN 46563 | AFLAC | $1 | $0 | $1 | 0.04% |
| AMY E COHEN3 Filed as: AMY GEHLHAUSEN | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $1 | $0 | $1 | 0.04% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 118 HIGHCLIFF CT LOVELAND, OH 45140 | AFLAC | $1 | $0 | $1 | 0.04% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | $1 | $0 | $1 | 0.04% |
| KANDACE M MCCARTHY3 Filed as: KANDACE MCCARTHY | 1171 HEAVENS GATE LAKE IN THE HILLS, IL 60156 | AFLAC | $1 | $0 | $1 | 0.04% |
| GREGORY MEYER3 | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | $1 | $0 | $1 | 0.04% |
| CORPORATE SYNERGIES GROUP LLC4 | 1212 6TH AVE NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $7 | $0 | $7 | 2.03% |
| TODD BURKE3 Filed as: TODD M SIEGEL | — | PRUDENTIAL INSURANCE COMPANY | — | $7 | $7 | — |
| RICHARD G MCGOWAN3 Filed as: RICHARD T BAUMGARTNER | — | PRUDENTIAL INSURANCE COMPANY | — | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMP EIN 59-1031071 ADMINISTRATIVE AGR | Claims processing; Contract Administrator; Float revenue; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan; Other services Service code 12 | — | $395K |
| CIGNA HEALTH AND LIFE INSURANCE COM | Named fiduciary; Contract Administrator; Direct payment from the plan; Float revenue; Non-monetary compensation; Claims processing; Participant communication; Other services 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 | 434 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA INC. | 696 | $249K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $450K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 396 | $69K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE CO | 650 | $1.2M |
| Other(11 contracts, 5 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 434 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 696 | — |
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.