| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $119K | — | $119K | 3.70% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 6.83% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $710 | — | $710 | 5.50% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $342 | — | $342 | 2.65% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 420 E 80TH ST APT 1A NEW YORK, NY 10075 | AFLAC | $218 | — | $218 | 1.69% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $215 | — | $215 | 1.67% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $97 | — | $97 | 0.75% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $25 | — | $25 | 0.19% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $15 | — | $15 | 0.12% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $252 | — | $252 | 2.55% |
| KIMBERLY O DEMETRI3 | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $224 | — | $224 | 2.27% |
| VICTORIA FERNANDEZ SASTRE3 Filed as: VICTORIA FERNANDEZ SASTRE & VARIOUS | 13025 SW 107TH CT MIAMI, FL 33176 | AFLAC | $147 | — | $147 | 1.49% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $92 | — | $92 | 0.93% |
| ANA MARIA LOPEZ3 | P O BOX 560147 MIAMI, FL 33256 | AFLAC | $83 | — | $83 | 0.84% |
| KIMBERLY O DEMETRI3 | 420 E 80TH STREET APT 1A NEW YORK, NY 10075 | AFLAC | $59 | — | $59 | 0.60% |
| RAYMOND J KOBER3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $38 | — | $38 | 0.38% |
| SALVATORE A RESTIVO3 | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $227 | — | $227 | 5.02% |
| KIMBERLY O DEMETRI3 | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $144 | — | $144 | 3.18% |
| MJ INSURANCE3 Filed as: KIMBERLY O DEMETRI & VARIOUS AGENTS | 420 E 80TH STREET APT 1A NEW YORK, NY 10075 | AFLAC | $55 | — | $55 | 1.22% |
| MICHAEL BURACK3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $50 | — | $50 | 1.10% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P DAVID | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $40 | — | $40 | 0.88% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $36 | — | $36 | 0.80% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $30 | — | $30 | 0.66% |
| MICHAEL C DEMETRI3 | 43 WESTLAND AVE UNIT PH3 BOSTON, MA 02115 | AFLAC | $359 | — | $359 | 8.79% |
| KIMBERLY O DEMETRI3 | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $138 | — | $138 | 3.38% |
| EVAN D CROSS3 | 333 RICCIUTI DR APT 1003 QUINCY, MA 02169 | AFLAC | $97 | — | $97 | 2.37% |
| MJ INSURANCE3 Filed as: ANTHONY A LIBECCI & VARIOUS AGENTS | 205 OLD TOWN RD STATEN ISLAND, NY 10305 | AFLAC | $70 | — | $70 | 1.71% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $36 | — | $36 | 0.88% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $26 | — | $26 | 0.64% |
| EVAN D CROSS3 | 377 K ST UNIT 1 BOSTON, MA 02127 | AFLAC | $22 | — | $22 | 0.54% |
| SCOTT G GOFF3 | 12311 COLBY CIR TYLER, TX 75707 | AFLAC | $52 | — | $52 | 2.69% |
| JOYCE C BERGER3 | 3644 E ELLSWORTH AVE DENVER, CO 80209 | AFLAC | $31 | — | $31 | 1.60% |
| KIMBERLY O DEMETRI3 | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $19 | — | $19 | 0.98% |
| ERIC GRACE3 | 10041 GRANITE HILL DR PARKER, CO 80134 | AFLAC | $17 | — | $17 | 0.88% |
| MJ INSURANCE3 Filed as: KIMBERLY O DEMETRI & VARIOUS AGENTS | 420 E 80TH STREET APT 1A NEW YORK, NY 10075 | AFLAC | $16 | — | $16 | 0.83% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $8 | — | $8 | 0.41% |
| KEN MAJOR3 Filed as: KEN L MAJOR | 2211 MICHELSON DR STE 1150 IRVINE, CA 92612 | AFLAC | $7 | — | $7 | 0.36% |
| DEBORAH LEE SMITH3 | 2236 LOCH LOMOND DR VIENNA, VA 22181 | AFLAC | $38 | — | $38 | 4.01% |
| KIMBERLY O DEMETRI3 | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $20 | — | $20 | 2.11% |
| AIMEE STATON HARDY3 | 120 HUNTINGTON HILLS LN FREDERICKSBURG, VA 22401 | AFLAC | $18 | — | $18 | 1.90% |
| MJ INSURANCE3 Filed as: KENNETH C MEIER & VARIOUS AGENTS | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $9 | — | $9 | 0.95% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $7 | — | $7 | 0.74% |
| KIMBERLY O DEMETRI3 | 420 E 80TH STREET APT 1A NEW YORK, NY 10075 | AFLAC | $6 | — | $6 | 0.63% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $3 | — | $3 | 0.32% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 496 | $3.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $259K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 496 | $3.2M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $259K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $259K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 496 | $3.2M |
| Other(7 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.