| 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 | — | $105K | $105K | 7.59% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | AETNA INC. | $14K | — | $14K | 4.94% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $15K | $5K | $21K | 14.73% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $2K | $6K | 9.40% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $2K | $2K | 3.04% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $12K | $2K | $14K | 23.37% |
| 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 | $357 | $0 | $357 | 1.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $341 | $0 | $341 | 1.84% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $300 | $0 | $300 | 1.62% |
| BARBARA FONTI3 | PO BOX 2214 HUNTINGTON, NY 11743 | AFLAC | $173 | $0 | $173 | 0.93% |
| JAMES (JAY) GRIMES3 | 614 ROBERT WILLIAMS RD PINE MOUNTAIN, GA 31822 | AFLAC | $123 | $0 | $123 | 0.66% |
| KENNETH C MEIER CORP | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $91 | $0 | $91 | 0.49% |
| BARBARA A. MEYER Filed as: BARBARA A MEYER | 6 HICKORY LN LEVITTOWN, NY 11756 | AFLAC | $78 | $0 | $78 | 0.42% |
| MICHAEL S CHILLE3 | 6760 VALHALLA WAY WINDERMERE, FL 34786 | AFLAC | $55 | $0 | $55 | 0.30% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY STE. 1015 W HOLBROOK, NY 11741 | AFLAC | $42 | $0 | $42 | 0.23% |
| PHILIP MINARCIK3 | 1 MARVIN LANE COMMACK, NY 11725 | AFLAC | $39 | $0 | $39 | 0.21% |
| RICHARD LEWIS3 | 365 WILLIS AVE MINEOLA, NY 11501 | AFLAC | $29 | $0 | $29 | 0.16% |
| SHAUN T KONIOR | 100 NW 62ND ST STE 1020 FT LAUDERDALE, FL 33309 | AFLAC | $28 | $0 | $28 | 0.15% |
| ROBERT NIVEYRO3 | PO BOX 2647 LUTZ, FL 33548 | AFLAC | $24 | $0 | $24 | 0.13% |
| DIANE ANDREE | 15 SMITH ST MASTIC, NY 11950 | AFLAC | $19 | $0 | $19 | 0.10% |
| WILLIAM WHICHER3 Filed as: WILLIAM H WHICHER | 11 KEENAN PL GARDEN CITY, NY 11530 | AFLAC | $16 | $0 | $16 | 0.09% |
| EDWIN O'CONNOR | 22 FAIRVIEW RD W MASSEPEQUA, NY 11758 | AFLAC | $15 | $0 | $15 | 0.08% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $11 | $0 | $11 | 0.06% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $11 | $0 | $11 | 0.06% |
| BRADLEY S RUPPEL3 | 70 VICTORIA DR HILTON HEAD ISLAND, SC 29926 | AFLAC | $10 | $0 | $10 | 0.05% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $8 | $0 | $8 | 0.04% |
| TODD BURKE3 | 199 WATER ST FL 32 NEW YORK, NY 10038 | AFLAC | $3 | $0 | $3 | 0.02% |
| SALVATORE A RESTIVO3 Filed as: SALVATORE RESTIVO | 248 ROUTE 25A #3009 EAST SETAUKET, NY 11733 | AFLAC | $3 | $0 | $3 | 0.02% |
| KATHERINE D GRIMES3 | 601 WHITE CHAPEL CIR CHARLESTON, SC 29412 | AFLAC | $2 | $0 | $2 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $495 | $2K | 13.50% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $379 | $1K | 13.49% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $353 | $1K | 14.73% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $498 | $181 | $679 | 13.63% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | METROPOLITAN GENERAL INSURANCE COMPANY | $437 | $86 | $523 | 11.27% |
| KATHLEEN ZALESKI | 12408 BRAXTED DR ORLANDO, FL 32837 | AFLAC | $103 | $0 | $103 | 2.36% |
| DH2 ENTERPRISES INC | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $81 | $0 | $81 | 1.86% |
| KARYN MITRANO ENTERPRISES INC | 2819 EAGLE LAKE DR ORLANDO, FL 32837 | AFLAC | $44 | $0 | $44 | 1.01% |
| JONATHAN M JONES | 5977 WYSTERIA CT BROWNSBURG, IN 46112 | AFLAC | $29 | $0 | $29 | 0.66% |
| WARREN REID HAVENOR | 396 S STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $21 | $0 | $21 | 0.48% |
| TANYA L WINCHESTER Filed as: TANYA L RUHL | 9825 SANDY PINES RD CLERMONT, FL 34711 | AFLAC | $19 | $0 | $19 | 0.44% |
| JOYCE WEBER ENTERPRISES INC | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $18 | $0 | $18 | 0.41% |
| MKF & ASSOCIATES INC | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $15 | $0 | $15 | 0.34% |
| ROBERT W BURGETT | 3670 W 141ST ST CARMEL, IN 46074 | AFLAC | $9 | $0 | $9 | 0.21% |
| NAVILLE & ASSOCIATES | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $6 | $0 | $6 | 0.14% |
| PATRICIA ANNE REILLY | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $4 | $0 | $4 | 0.09% |
| BRIAN WHITE Filed as: BRIAN HANLEY | 506 CANTERBURY DR LAGRANGE, GA 30241 | AFLAC | $3 | $0 | $3 | 0.07% |
| DEREK DEVANE | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $3 | $0 | $3 | 0.07% |
| DAWN T SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $2 | $0 | $2 | 0.05% |
| DOUGLAS J SUCHECKI | 21 HEARTWOOD DR CATAULA, GA 31804 | AFLAC | $2 | $0 | $2 | 0.05% |
| TANYA L WINCHESTER | 9825 SANDY PINES RD CLERMONT, FL 34711 | AFLAC | $2 | $0 | $2 | 0.05% |
| AMY N GEHLHAUSEN | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $1 | $0 | $1 | 0.02% |
| JOHN T CLANCY | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $1 | $0 | $1 | 0.02% |
| MARK A WOJDA | 16258 DOGWOOD LN PLYMOUTH, IN 46563 | AFLAC | $1 | $0 | $1 | 0.02% |
| MATTHEW A COOK | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $1 | $0 | $1 | 0.02% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $671 | $121 | $792 | 23.60% |
| BARBARA ANN MEYER3 | 4232 RAFFIA PALM CIR NAPLES, FL 34119 | AFLAC | $102 | $0 | $102 | 3.68% |
| TIMOTHY W POWERS Filed as: TIMOTHY J HELMAN | 2550 STONEHAVEN DRIVE SUN PRAIRIE, WI 53590 | AFLAC | $62 | $0 | $62 | 2.23% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF INDIANA INC. | 11711 N MERIDIAN STREET STE 100 CARMEL, IN 46032 | AFLAC | $32 | $0 | $32 | 1.15% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $22 | $0 | $22 | 0.79% |
| SHANA WOLF3 | 11260 CHESTER RD SUITE 500 CINCINNATI, OH 45246 | AFLAC | $22 | $0 | $22 | 0.79% |
| CAROL MULLEN Filed as: CAROL A MULLEN | 1708 MOUNT VERNON DR COVINGTON, KY 41011 | AFLAC | $18 | $0 | $18 | 0.65% |
| TODD J BURKE CORP3 Filed as: TODD J BURKE | 23 W MEADOW ROAD SETAUKET, NY 11733 | AFLAC | $12 | $0 | $12 | 0.43% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $12 | $0 | $12 | 0.43% |
| ASSUREDPARTNERS3 Filed as: LINDA N SHEPHERD | 7463 BRIDGE POINT PASS CINCINNATI, OH 45248 | AFLAC | $10 | $0 | $10 | 0.36% |
| KENNETH C MEIER CORP Filed as: KENNETH C MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $8 | $0 | $8 | 0.29% |
| MELISSA A BRINKER3 | 4998 BARNSBY LN CINCINNATI, OH 45244 | AFLAC | $7 | $0 | $7 | 0.25% |
| MARLENE R. GUTTMAN, LLC3 Filed as: MARLENE R GUTTMAN | 9201 SHALLOW CREEK DRIVE LOVELAND, OH 45140 | AFLAC | $6 | $0 | $6 | 0.22% |
| KATHRYN HOFFMAN3 Filed as: KATHRYN E HOFFMAN | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $5 | $0 | $5 | 0.18% |
| DEBRA HENDRICKSON3 Filed as: DEBRA L HENDRICKSON | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $5 | $0 | $5 | 0.18% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $2 | $0 | $2 | 0.07% |
| MICHAEL E MCCARTHY3 | 143 W WARFIELD DR MOORESVILLE, NC 28115 | AFLAC | $1 | $0 | $1 | 0.04% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $1 | $0 | $1 | 0.04% |
| MATTHEW A COOK3 | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $1 | $0 | $1 | 0.04% |
| MARK A WOJDA3 | 16258 DOGWOOD LN PLYMOUTH, IN 46563 | AFLAC | $1 | $0 | $1 | 0.04% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $1 | $0 | $1 | 0.04% |
| RONALD J GRETHEL3 | 118 HIGHCLIFF CT LOVELAND, OH 45140 | AFLAC | $1 | $0 | $1 | 0.04% |
| GREGORY E MEYER3 | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | $1 | $0 | $1 | 0.04% |
| JOHN C RASCHELLA3 | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | $0 | $0 | $0 | 0.00% |
| KANDACE M MCCARTHY3 | 1171 HEAVENS GATE LAKE IN THE HILLS, IL 60156 | AFLAC | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMP EIN 59-1031071 ADMINISTRATIVE AGR | Float revenue; Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $288K |
| CIGNA HEALTH AND LIFE INSURANCE COM | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; 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 | 391 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA INC. | 703 | $283K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 664 | $32K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $415K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 357 | $66K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE CO | 596 | $1.4M |
| Other(10 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 391 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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.