| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - CAMDEN | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $160K | — | $160K | 4.36% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $7K | $26K | 7.67% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.52% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $405 | — | $405 | 8.27% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $83 | — | $83 | 1.69% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $74 | — | $74 | 1.51% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $37 | — | $37 | 0.76% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $9 | — | $9 | 0.18% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $7 | — | $7 | 0.14% |
| MICHAEL C DEMETRI3 | 43 WESTLAND AVE UNIT PH3 BOSTON, MA 02115 | AFLAC | $122 | — | $122 | 2.69% |
| EVAN D CROSS3 | 100 ALLERTON RD MILTON, MA 02186 | AFLAC | $112 | — | $112 | 2.47% |
| MICHAEL C DEMETRI3 | 16 LEIGHTON AVE N LACONIA, NH 03246 | AFLAC | $84 | — | $84 | 1.85% |
| KIMBERLY O DEMETRI3 | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $81 | — | $81 | 1.78% |
| ANTHONY LIBECCI3 Filed as: ANTHONY A LIBECCI AND VARIOUS | AGENTS 4864 ARTHUR KILL RD STE 3 STATEN ISLAND, NY 10309 | AFLAC | $39 | — | $39 | 0.86% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $30 | — | $30 | 0.66% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $20 | — | $20 | 0.44% |
| KEITH LEPACK3 | 1991 BROADWAY APT 12B NEW YORK, NY 10023 | AFLAC | $88 | — | $88 | 5.09% |
| KIMBERLY O DEMETRI3 | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $28 | — | $28 | 1.62% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $20 | — | $20 | 1.16% |
| DEBORAH LEE SMITH3 | 3437 PLAINSMAN TRL VIRGINIA BEACH, VA 23452 | AFLAC | $34 | — | $34 | 3.97% |
| KIMBERLY O DEMETRI3 | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $23 | — | $23 | 2.69% |
| AIMEE STATON HARDY3 | 120 HUNTINGTON HILLS LN FREDERICKSBURG, VA 22401 | AFLAC | $18 | — | $18 | 2.10% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $9 | — | $9 | 1.05% |
| DAVID N MORGAN3 | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $3 | — | $3 | 0.35% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $3 | — | $3 | 0.35% |
| DUANE A ADAMS3 Filed as: DUANE ALLEN ADAMS | AND VARIOUS AGENTS 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $2 | — | $2 | 0.23% |
| SCOTT G GOFF3 | 12311 COLBY CIR TYLER, TX 75707 | AFLAC | $31 | — | $31 | 5.61% |
| KIMBERLY O DEMETRI3 | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $14 | — | $14 | 2.53% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $5 | — | $5 | 0.90% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $2 | — | $2 | 0.36% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $2 | — | $2 | 0.36% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.18% |
| MJ INSURANCE3 Filed as: TINA WAY AND VARIOUS AGENTS | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.18% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 448 | $3.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $337K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 448 | $3.7M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $337K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $337K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $337K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 448 | $3.7M |
| Other(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.