| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $140K | — | $140K | 1.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 0.23% |
| CORPORATE SYNERGIES GROUP LLC3 | 1212 AVENUE OF THE AMERICAS STE 901 NEW YORK, NY 100361600 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $53 | $23K | 4.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 ATTN ACCOUNTING NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $5K | $12K | 2.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE FL 21 ATTN ACCOUNTING NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | — | $92 | $92 | 0.02% |
| CORPORATE SYNERGIES GROUP LLC3 | 1212 6TH AVE NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $5K | $51K | 14.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVE., FLOOR 21 NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $359 | $8K | 2.12% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. - | NEW YO PO BOX 654118 DALLAS, TX 75265 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE IN CO OF NY | $3K | — | $3K | 5.28% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. - | NEW YORK, NY PO BOX 654118 DALLAS, TX 75265 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE IN CO OF NY | $1K | — | $1K | 2.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY- NEW YORK | NY 340 MADISON AVE, 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE IN CO OF NY | $1K | — | $1K | 2.28% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | — | $6K | $6K | 20.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT | 101 PARK AVE 12TH FLOOR NEW YORK, NY 10016 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $491 | $51 | $542 | 22.08% |
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 | 404 | 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) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 962 | $11.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,199 | $499K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE IN CO OF NY | 904 | $49K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $356K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $356K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 962 | $11.0M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,199 | — |
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.