| 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 | OXFORD HEALTH INSURANCE, INC. | $156K | $0 | $156K | 1.99% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $14K | $86 | $14K | 3.89% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 10.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.39% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MJ INSURANCE3 Filed as: TREVOR FENNELL AND VARIOUS AGENTS | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $688 | $75 | $763 | 5.63% |
| JACQULINE S. CASTRO LLC3 | 100 WALL STREET, 28TH FLOOR NEW YORK, NY 10005 | AFLAC | $354 | $0 | $354 | 2.61% |
| JILL LISA RAPPAPORT3 | 141 22ND STREET BROOKLYN, NY 11232 | AFLAC | $322 | $0 | $322 | 2.38% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AFLAC | $286 | $0 | $286 | 2.11% |
| AUSTIN & CO INC3 Filed as: AUSTIN AND COMPANY INC. | 20 COPROATE WOODS BOULEVARD SUITE 4 ALBANY, NY 12211 | AFLAC | $215 | $0 | $215 | 1.59% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI LL INC. | 23 PINE RIDGE ROAD SARASOTA SPRINGS, NY 12866 | AFLAC | $118 | $0 | $118 | 0.87% |
| BETH SERFILIPPI3 Filed as: BETH SERAFILIPPI | 8 HILLSTONE COURT BALLSTON LAKE, NY 12019 | AFLAC | $114 | $0 | $114 | 0.84% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 743 | $7.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 734 | $370K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 387 | $22K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 387 | $206K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 387 | $206K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 743 | $7.9M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 387 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.