| 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 | $103K | $3K | $106K | 4.17% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | THE GUARDIAN LIFE INUSRANCE COMPANY OF AMERICA | $13K | $0 | $13K | 5.93% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $725 | $49 | $774 | 5.97% |
| KIMBERLEY DEMETRI3 | 420 EAST 80TH STREET APARTMENT 1A NEW YORK, NY 10075 | AFLAC | $459 | $14 | $473 | 3.65% |
| MJ INSURANCE3 Filed as: KENNETH MEIER AND VARIOUS AGENTS | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $184 | $5 | $189 | 1.46% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $165 | $8 | $173 | 1.33% |
| ANA MARIA LOPEZ3 Filed as: ANA LOPEZ | PO BOX 560147 MIAMI, FL 33256 | AFLAC | $83 | $0 | $83 | 0.64% |
| RAYMOND J KOBER3 Filed as: RAYMOND KOBER | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $64 | $0 | $64 | 0.49% |
| VICTORIA FERNANDEZ SASTRE3 | 13025 SW 107TH COURT MIAMI, FL 33176 | AFLAC | $46 | $0 | $46 | 0.35% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 420 EAST 80TH STREET APARTMENT 1A NEW YORK, NY 10075 | AFLAC | $809 | $0 | $809 | 7.17% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $300 | $0 | $300 | 2.66% |
| STEPHEN WHITE3 | 5 EMERALD LANE MONEBELLO, NY 10901 | AFLAC | $188 | $0 | $188 | 1.67% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $85 | $0 | $85 | 0.75% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $19 | $0 | $19 | 0.17% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $12 | $0 | $12 | 0.11% |
| SALVATORE A RESTIVO3 Filed as: SALVATORE RESTIVO | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $234 | $0 | $234 | 5.01% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 420 EAST 80TH STREET APARTMENT 1A NEW YORK, KY 10075 | AFLAC | $179 | $0 | $179 | 3.83% |
| MICHAEL BURACK3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $51 | $0 | $51 | 1.09% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES DAVID | 125 JERICHO TURNPIKE SUITE 201 JERICH, NY 11753 | AFLAC | $41 | $0 | $41 | 0.88% |
| KENNETH MEIER3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $37 | $0 | $37 | 0.79% |
| STEPHEN WHITE3 | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $31 | $0 | $31 | 0.66% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $25 | $0 | $25 | 0.54% |
| JOYCE BERGER3 | 3644 EAST ELLSWORTH AVENUE DENVER, CO 80209 | AFLAC | $54 | $35 | $89 | 3.71% |
| SCOTT G GOFF3 Filed as: SCOTT GOFF | 12311 COLBY CIRCLE TYLER, TX 75707 | AFLAC | $52 | $0 | $52 | 2.17% |
| MJ INSURANCE3 Filed as: SHARON MALONE AND VARIOUS AGENTS | 10719 EAST FLORIAN AVENUE MESA, AZ 85208 | AFLAC | $46 | $0 | $46 | 1.92% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 420 EAST 80TH STREET APARTMENT 1A NEW YORK, NY 10075 | AFLAC | $32 | $0 | $32 | 1.33% |
| ERIC GRACE3 | 10041 GRANITE HILL DRIVE PARKER, CO 80134 | AFLAC | $20 | $7 | $27 | 1.13% |
| KEN MAJOR3 | 30207 PIPERS LANE FARMINGTON HILLS, MI 48334 | AFLAC | $13 | $7 | $20 | 0.83% |
| ROBERT LABONTE3 | 1659 WEST SAN REMO STREET GILBERT, AZ 85233 | AFLAC | $15 | $0 | $15 | 0.63% |
| DEBORAH B SMITH3 Filed as: DEBORAH SMITH | 2236 LOCH LOMOND DRIVE VIENNA, VA 22181 | AFLAC | $127 | $0 | $127 | 9.47% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 420 EAST 80TH STREET APARTMENT 1A NEW YORK, NY 10075 | AFLAC | $89 | $0 | $89 | 6.64% |
| MJ INSURANCE3 Filed as: ROBERT ANDERSON AND VARIOUS AGENTS | 13710 GEMERAL GEARY COURT FREDERICKBURG, VA 22407 | AFLAC | $25 | $0 | $25 | 1.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LEORA BROWN | 7865 FALGER CIRCLE MANASSAS, VA 20109 | AFLAC | $23 | $0 | $23 | 1.72% |
| AIMEE STATON HARDY3 Filed as: AIMEE HARDY | 120 HUNTINGTON HILLS LANE FREDERICKSBURG, VA 22401 | AFLAC | $21 | $0 | $21 | 1.57% |
| CYNTHIA MYER3 | 2333 COUNTRY ROAD 250 DURANGO, CO 81301 | AFLAC | $15 | $0 | $15 | 1.12% |
| BATRICK HARDIE3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $13 | $0 | $13 | 0.97% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 460 | $2.5M |
| Dental | THE GUARDIAN LIFE INUSRANCE COMPANY OF AMERICA | 187 | $226K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 460 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 460 | $2.8M |
| Long-term disability | THE GUARDIAN LIFE INUSRANCE COMPANY OF AMERICA | 187 | $226K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 460 | $2.5M |
| Other(7 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 460 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.