| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $20K | $2K | $23K | 12.70% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 5.85% |
| MARITZA SANTIAGO3 | 1330 KEARNEY AVE FL 2 BRONX, NY 10465 | AFLAC | $868 | — | $868 | 5.86% |
| MJ INSURANCE3 Filed as: PATRICK RUHLE AND VARIOUS AGENTS | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $175 | — | $175 | 1.18% |
| NANCY LAPHAM3 Filed as: NANCY A HOAGLAND | 223 BROOK ST OAKDALE, NY 11769 | AFLAC | $157 | — | $157 | 1.06% |
| SHAUN T KONIOR3 | 31 STRATFORD GRN FARMINGDALE, NY 11735 | AFLAC | $118 | — | $118 | 0.80% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DR NEW ROCHELLE, NY 10804 | AFLAC | $117 | — | $117 | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP INC | 25 MELVILLE PARK RD STE 260 MELVILLE, NY 11747 | AFLAC | $67 | — | $67 | 0.45% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $62 | — | $62 | 0.42% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $675 | — | $675 | 4.88% |
| 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. | $228 | — | $228 | 9.90% |
| 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 | $115 | — | $115 | 9.98% |
No Schedule C service providers reported on this filing.
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 97 | $14K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 131 | $179K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 131 | $179K |
| Other(4 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 131 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.