| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GRP INC | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $86K | — | $86K | 3.93% |
| TRACY L WILBANKS3 | 446 W 55TH ST APT 2B NEW YORK, NY 10019 | AFLAC | $12K | $346 | $13K | 13.16% |
| TRACY L WILBANKS3 | 68 FURNACE TRL GREENWOOD LAKE, NY 10925 | AFLAC | $2K | $55 | $2K | 2.51% |
| TREVOR FENNELL3 | AND VARIOUS AGENTS 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $2K | $11 | $2K | 1.74% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $1K | $80 | $2K | 1.62% |
| SPHEREC GROUP LLC3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $1K | $69 | $1K | 1.18% |
| DENNIS FENNELL3 | 8 BELVOIR DR WASHINGTONVILLE, NY 10992 | AFLAC | $444 | — | $444 | 0.46% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $343 | — | $343 | 0.35% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 9.12% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 190 | $2.2M |
| Dental(2 contracts, 2 carriers) | AFLAC | 128 | $165K |
| Vision | AFLAC | 126 | $97K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 126 | $97K |
| Short-term disability | AFLAC | 126 | $97K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 0 | $0 |
| Prescription drug | EMBLEMHEALTH | 190 | $2.2M |
| Other(4 contracts, 4 carriers) | AFLAC | 175 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.