| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $196K | — | $196K | 2.18% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $4K | $35K | 7.96% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 13.03% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $67 | $67 | 0.03% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $4K | — | $4K | 10.85% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 14.92% |
| BETH SERFILIPPI3 | AND VARIOUS AGENTS 8 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $348 | — | $348 | 3.82% |
| JILL LISA RAPPAPORT3 | 402 19TH ST BROOKLYN, NY 11215 | AFLAC | $340 | — | $340 | 3.73% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $243 | — | $243 | 2.67% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO LLC | 131 E 39TH ST APT 3 NEW YORK, NY 10016 | AFLAC | $150 | — | $150 | 1.65% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD STE 4 ALBANY, NY 12211 | AFLAC | $127 | — | $127 | 1.39% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $102 | — | $102 | 1.12% |
| JILL LISA RAPPAPORT3 | 474 PROSPECT AVE BROOKLYN, NY 11215 | AFLAC | $89 | — | $89 | 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 | 407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 834 | $9.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 355 | $442K |
| Vision | VISION SERVICE PLAN | 384 | $40K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 407 | $256K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 407 | $256K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 834 | $9.0M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 407 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 834 | — |
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.