| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | OXFORD HEALTH INSURANCE, INC. | $167K | $0 | $167K | 1.99% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $25K | 7.59% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 15.06% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | VISION SERVICE PLAN | $3K | $0 | $3K | 7.49% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.84% |
| JILL LISA RAPPAPORT3 | 141 22ND STREET BROOKLYN, NY 11232 | AFLAC | $453 | $84 | $537 | 4.08% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI II AND OTHER AGENTS | 23 PINE RIDGE ROAD SARASOTA SPRINGS, NY 12866 | AFLAC | $537 | $0 | $537 | 4.08% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AFLAC | $359 | $0 | $359 | 2.73% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S. CASTRO LLC | 100 WALL STREET, 28TH FLOOR NEW YORK, NY 10005 | AFLAC | $289 | $0 | $289 | 2.20% |
| AUSTIN & CO INC3 Filed as: AUSTIN AND CO. INC. | 20 CORPORATE WOODS BOULEVARD SUITE 4 ALBANY, NY 12211 | AFLAC | $172 | $0 | $172 | 1.31% |
| MARITZA ROLON3 | 3051 EDWIN AVENUE, APARTMENT 2A FORT LEE, NJ 07024 | AFLAC | $141 | $0 | $141 | 1.07% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREE, SUITE 8C NEW YORK, NY 10005 | AFLAC | $115 | $14 | $129 | 0.98% |
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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 96 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 762 | $8.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $333K |
| Vision | VISION SERVICE PLAN | 395 | $36K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 395 | $222K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 395 | $222K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 762 | $8.4M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 395 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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.