| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $3K | $24K | 4.18% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $10K | $16K | 2.79% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | HM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.79% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | HM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.21% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | $0 | $1K | 2.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | $0 | $1K | 1.71% |
| BARBARA ANN MEYER3 | 2916 HATTERAS WAY NAPLES, FL 34119 | AFLAC | $1K | $0 | $1K | 4.39% |
| LADMAR ASSOCIATES LLC3 | 1983 MARCUS AVENUE, SUITE 114 NEW HYDE PARK, NY 11042 | AFLAC | $618 | $0 | $618 | 2.37% |
| KEITH LEPACK3 | 1991 BROADWAY, APARTMENT 12B NEW YORK, NY 10023 | AFLAC | $297 | $0 | $297 | 1.14% |
| MJ INSURANCE3 Filed as: GEORGE ROE AND VARIOUS AGENTS | 108 JACKSON STREET 3RD HOBEOKEN, NJ 07030 | AFLAC | $198 | $0 | $198 | 0.76% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 19 MARKWOOD ROAD FOREST HILLS, NY 11375 | AFLAC | $103 | $0 | $103 | 0.40% |
| MICHAEL C WALKER3 Filed as: MICHAEL P. DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $89 | $0 | $89 | 0.34% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $78 | $0 | $78 | 0.30% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE AND OTHER AGENTS | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $1K | $0 | $1K | 5.03% |
| BARBARA ANN MEYER3 | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $820 | $0 | $820 | 3.33% |
| LADMAR ASSOCIATES LLC3 | 150 MOTOR PARKWAY, SUITE 207 HAUPAUGE, NY 11788 | AFLAC | $792 | $0 | $792 | 3.21% |
| KEITH LEPACK3 | 1991 BROADWAY, APARTMENT 12B NEW YORK, NY 10023 | AFLAC | $735 | $0 | $735 | 2.98% |
| ROBERT NIVEYRO3 | PO BOX 2647 LUTZ, FL 33548 | AFLAC | $469 | $0 | $469 | 1.90% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 2 PARK AVENUE, 20TH FLOOR NEW YORK, NY 10016 | AFLAC | $420 | $0 | $420 | 1.70% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $221 | $0 | $221 | 0.90% |
| CENTRAL GROUP INSURANCE AGENCY3 | 335 MADISON AVENUE NEW YORK, NY 10017 | TRIPLE S SALUD, INC. | $827 | $0 | $827 | 5.00% |
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 | 1,400 | 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) | 1,400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 7 | $79K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 852 | $47K |
| Vision | HM LIFE INSURANCE COMPANY | 698 | $85K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,129 | $563K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,129 | $563K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,129 | $563K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 7 | $79K |
| Other(5 contracts, 4 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,400 | $661K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,400 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.