| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | OXFORD HEALTH INSURANCE, INC | $130K | — | $130K | 2.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | DELTA DENTAL OF NEW YORK | $14K | — | $14K | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 12.80% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $68 | $68 | 0.05% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $27 | $27 | 0.02% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $2K | — | $2K | 4.63% |
| ALBERT BRUCKNER3 | 3018 BROADWAY APT 2E ASTORIA, NY 11106 | AFLAC | $1K | — | $1K | 2.23% |
| J DAVID AND ASSOCIATES INC3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $1K | — | $1K | 1.97% |
| FRANK CRYSTAL & CO INC3 | 1 FINANCIAL SQ FL 32 FINANCIAL SQUARE NEW YORK, NY 10005 | AFLAC | $894 | — | $894 | 1.72% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P DAVID CORPORATION & | VARIOUS AGENTS 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $724 | — | $724 | 1.39% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $519 | — | $519 | 1.00% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $214 | — | $214 | 0.41% |
| CORPORATE SYNERGIES GROUP LLC3 | 1540 CORNERSTONE BLVD STE 200 DAYTONA BEACH, FL 321177144 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 411 | $6.5M |
| Dental | DELTA DENTAL OF NEW YORK | 394 | $276K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 209 | $12K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 326 | $142K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 326 | $142K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 326 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.