| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $46K | — | $46K | 2.98% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $19K | $4K | $23K | 10.86% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $2K | $43 | $3K | 1.20% |
| TRACY L WILBANKS3 Filed as: TRACY L. WILBANKS | 446 W 55TH ST APT 2B NEW YORK, NY 10019 | AFLAC | $11K | $661 | $12K | 13.30% |
| MJ INSURANCE3 Filed as: TREVOR FENNELL AND VARIOUS AGENTS | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $2K | — | $2K | 1.86% |
| SPHEREC GROUP LLC3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $850 | $75 | $925 | 1.02% |
| DENNIS FENNELL3 | 8 BELVOIR DR WASHINGTONVILLE, NY 10992 | AFLAC | $686 | $58 | $744 | 0.82% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $530 | $113 | $643 | 0.71% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C ATTN AFLAC NEW YORK, NY 10005 | AFLAC | $470 | $19 | $489 | 0.54% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $338 | — | $338 | 0.37% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUA STE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $580 | $6K | 11.33% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 170 | $1.8M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 162 | $302K |
| Vision | AFLAC | 136 | $90K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 170 | $141K |
| Short-term disability | AFLAC | 136 | $90K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 170 | $50K |
| Prescription drug(2 contracts, 2 carriers) | EMBLEMHEALTH | 170 | $1.8M |
| Other(3 contracts, 3 carriers) | AFLAC | 170 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.