| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE COMPANY | $71K | $0 | $71K | 2.40% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | AETNA LIFE INSURANCE COMPANY | $52K | $200 | $52K | 1.75% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 4.63% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 2.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $483 | $0 | $483 | 5.13% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | VISION SERVICE PLAN | $461 | $0 | $461 | 4.89% |
| MICHELLE EASTON3 | 168 ELMWOOD STREET VALLEY STREAM, NY 11581 | AFLAC | $707 | $53 | $760 | 18.82% |
| JAIME M. BAUM3 Filed as: JAIME BAUM | 45 GREENLAWN ROAD SOUND BEACH, NY 11789 | AFLAC | $107 | $12 | $119 | 2.95% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $79 | $12 | $91 | 2.25% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 PARK AVENUE, 20TH FLOOR NEW YORK, NY 10016 | AFLAC | $78 | $0 | $78 | 1.93% |
| TAMIKA M OXFORD3 Filed as: TAMIKA OXFORD | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $57 | $0 | $57 | 1.41% |
| MJ INSURANCE3 Filed as: COLIN MCVETTY & VARIOUS AGENTS | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $57 | $0 | $57 | 1.41% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN MARKOWITZ | 21996 SOUTHWEST TIVOLO WAY PORT SAINT LUCIE, FL 34986 | AFLAC | $46 | $0 | $46 | 1.14% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 314 | $3.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 314 | $3.0M |
| Vision | VISION SERVICE PLAN | 122 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 165 | $169K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 165 | $169K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 314 | $3.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 165 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.