| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - NEW YORK | METRO 1212 AVENUE OF THE AMERICAS FL 9 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 4.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - NEW YORK | METRO 1212 AVENUE OF THE AMERICAS FL 9 NEW YORK, NY 100361624 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 6.21% |
| CORPORATE SYNERGIES GROUP LLC3 | 1212 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 1.68% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | CORPORATE SYNERGIES GROUP CAMDEN, NJ 08103 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.72% |
| KEVIN SULLIVAN3 | 1206 KENNEBEC RD FORKED RIVER, NJ 087314521 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $846 | — | $846 | 6.97% |
| GEORGE R KOROGHLIAN3 | 250 PEHLE AVE STE 405 SADDLE BROOK, NJ 076635832 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $169 | — | $169 | 1.39% |
| DOMINICK IORIO3 | 250 PEHLE AVE STE 405 SADDLE BROOK, NJ 07663 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $72 | — | $72 | 0.59% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $63K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $63K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 253 | $58K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 253 | $46K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 253 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.