| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $95K | $7K | $103K | 4.36% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 6.87% |
| DEBORAH LEE SMITH3 Filed as: DEBORAH LEE SMITH AND OTHER AGENTS | 2236 LOCH LOMOND DRIVE VIENNA, VA 22181 | AFLAC | $971 | $24 | $995 | 3.97% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY O. DEMETRI | 420 EAST 80TH STREET, APARTMENT 1A NEW YORK, NY 10075 | AFLAC | $751 | $8 | $759 | 3.03% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $469 | — | $469 | 1.87% |
| SALVATORE A RESTIVO3 Filed as: SALVATORE A. RESTIVO | 32 HASKELL LANE STONY BROOK, NY 11790 | AFLAC | $322 | — | $322 | 1.28% |
| JOYCE BERGER3 | 3644 EAST ELLSWORTH AVENUE DENVER, CO 80209 | AFLAC | $275 | — | $275 | 1.10% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $133 | — | $133 | 0.53% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $102 | $2 | $104 | 0.41% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 420 80TH STREET, APARTMENT 1A NEW YORK, NY 10075 | ALFAC | $932 | — | $932 | 7.13% |
| KOBER ASSOCIATES LLC3 Filed as: KOBER ASSOCIATES, LLC | 14107 20TH AVENUE, SUITE 507 WHITESTONE, NY 11357 | ALFAC | $351 | — | $351 | 2.68% |
| STEPHEN WHITE3 | 214 25 42ND AVENUE, 4TH FLOOR BAYSIDE, NY 11361 | ALFAC | $217 | — | $217 | 1.66% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | ALFAC | $98 | — | $98 | 0.75% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 445 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $232K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 445 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 445 | $2.6M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $232K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 445 | $2.4M |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 445 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.