| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $121K | — | $121K | 4.03% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | DELTA DENTAL OF NEW YORK | $6K | — | $6K | 4.18% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 15.40% |
| MICHAEL C DEMETRI3 | 43 WESTLAND AVE UNIT PH3 BOSTON, MA 02115 | AFLAC | $236 | — | $236 | 4.48% |
| EVAN D CROSS3 | 100 ALLERTON RD MILTON, MA 02186 | AFLAC | $136 | — | $136 | 2.58% |
| KIMBERLY O DEMETRI3 | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $104 | — | $104 | 1.98% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $30 | — | $30 | 0.57% |
| RAYMOND J KOBER3 | AND VARIOUS AGENTS 15712 12TH AVE WHITESTONE, NY 11357 | AFLAC | $29 | — | $29 | 0.55% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $25 | — | $25 | 0.48% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 4864 ARTHUR KILL RD STE 3 STATEN ISLAND, NY 10309 | AFLAC | $19 | — | $19 | 0.36% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY Y DEMETRI | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $415 | — | $415 | 10.85% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $86 | — | $86 | 2.25% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $79 | — | $79 | 2.07% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $38 | — | $38 | 0.99% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $10 | — | $10 | 0.26% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $7 | — | $7 | 0.18% |
| KIMBERLY O DEMETRI3 | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $83 | — | $83 | 2.90% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $64 | — | $64 | 2.23% |
| KENNETH MEIER3 Filed as: KENNETH C MEIER AND | VARIOUS AGENTS 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $34 | — | $34 | 1.19% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $26 | — | $26 | 0.91% |
| ANA MARIA LOPEZ3 | PO BOX 560147 MIAMI, FL 33256 | AFLAC | $22 | — | $22 | 0.77% |
| RAYMOND J KOBER3 | 15712 12TH AVE WHITESTONE, NY 11357 | AFLAC | $13 | — | $13 | 0.45% |
| VICTORIA FERNANDEZ SASTRE3 | 13025 SW 107TH CT MIAMI, FL 33176 | AFLAC | $13 | — | $13 | 0.45% |
| KEITH LEPACK3 | 1991 BROADWAY APT 12B NEW YORK, NY 10023 | AFLAC | $88 | — | $88 | 3.08% |
| KIMBERLY O DEMETRI3 | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $65 | — | $65 | 2.27% |
| SALVATORE A RESTIVO3 | 248 ROUTE 25A #3009 EAST SETAUKET, NY 11733 | AFLAC | $57 | — | $57 | 1.99% |
| RAYMOND J KOBER3 | AND VARIOUS AGENTS 15712 12TH VAE WHITESTONE, NY 11357 | AFLAC | $30 | — | $30 | 1.05% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $20 | — | $20 | 0.70% |
| MICHAEL BURACK3 | 46 THREEPENCE DR MELVILLE, NY 11747 | AFLAC | $12 | — | $12 | 0.42% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $10 | — | $10 | 0.35% |
| SCOTT G GOFF3 | 12311 COLBY CIR TYLER, TX 75707 | AFLAC | $34 | — | $34 | 3.52% |
| KIMBERLY O DEMETRI3 | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $15 | — | $15 | 1.55% |
| JOYCE C BERGER3 | 750 N TAMIAMI TRL UNIT 802 SARASOTA, FL 34236 | AFLAC | $11 | — | $11 | 1.14% |
| ERIC GRACE3 | 3107 POMOA PL MURFREESBORO, TN 37130 | AFLAC | $6 | — | $6 | 0.62% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN SAMUEL KIRKLAND AND | VARIOUS AGENTS 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $6 | — | $6 | 0.62% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $5 | — | $5 | 0.52% |
| KEN MAJOR3 Filed as: KEN L MAJOR | 2211 MICHELSON DR STE 1150 IRVINE, CA 92612 | AFLAC | $4 | — | $4 | 0.41% |
| DEBORAH LEE SMITH3 | 2236 LOCH LOMOND DR VIENNA, VA 22181 | AFLAC | $31 | — | $31 | 3.95% |
| KIMBERLY O DEMETRI3 | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $21 | — | $21 | 2.68% |
| AIMEE STATON HARDY3 | 120 HUNTINGTON HILLS LN FREDERICKSBURG, VA 22401 | AFLAC | $17 | — | $17 | 2.17% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $8 | — | $8 | 1.02% |
| DAVID N MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $2 | — | $2 | 0.26% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $2 | — | $2 | 0.26% |
| DUANE A ADAMS3 | AND VARIOUS AGENTS 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $2 | — | $2 | 0.26% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 385 | $3.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 371 | $192K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 385 | $3.0M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $55K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $55K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 385 | $3.0M |
| Other(7 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.