| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $55K | $7K | $62K | 3.73% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $15K | $4K | $18K | 12.16% |
| TRACY L WILBANKS3 Filed as: TRACY L. WILBANKS | 446 WEST 55TH STREET, APARTMENT 2B NEW YORK, NY 10019 | AFLAC | $15K | $866 | $16K | 16.23% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIRCLE BOCA RATON, FL 33496 | AFLAC | $1K | $173 | $2K | 1.73% |
| MJ INSURANCE3 Filed as: JILL RAPPAPORT AND VARIOUS AGENTS | 139 22ND STREET, APARTMENT B BROOKLYN, NY 11232 | AFLAC | $1K | $0 | $1K | 1.52% |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AFLAC | $1K | $162 | $1K | 1.48% |
| SPHEREC GROUP LLC3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $621 | $11 | $632 | 0.66% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $343 | $0 | $343 | 0.36% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $280 | $0 | $280 | 0.29% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $606 | $6K | 13.57% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 182 | $1.8M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 182 | $1.8M |
| Vision | AFLAC | 132 | $96K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 165 | $141K |
| Short-term disability | AFLAC | 132 | $96K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 165 | $46K |
| Prescription drug(2 contracts) | AETNA LIFE INSURANCE COMPANY | 182 | $1.8M |
| Other(3 contracts, 3 carriers) | AFLAC | 165 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
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.