| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $131K | — | $131K | 3.69% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $19K | 8.02% |
| MICHAEL C DEMETRI3 | 43 WESTLAND AVE UNIT PH3 BOSTON, MA 02115 | AFLAC | $238 | — | $238 | 4.52% |
| EVAN D CROSS3 | 100 ALLERTON RD MILTON, MA 02186 | AFLAC | $132 | — | $132 | 2.50% |
| KIMBERLY O DEMETRI3 | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $98 | — | $98 | 1.86% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $33 | — | $33 | 0.63% |
| RAYMOND J KOBER3 | AND VARIOUS AGENTS 15712 12TH AVE WHITESTONE, NY 11357 | AFLAC | $31 | — | $31 | 0.59% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $25 | — | $25 | 0.47% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 4864 ARTHUR KILL RD STE 3 STATEN ISLAND, NY 10309 | AFLAC | $15 | — | $15 | 0.28% |
| 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% |
| 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 | 2236 LOCH LOMOND DR VIENNA, VA 22181 | 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 | 1904 ELLIS DR MAIDENS, VA 23102 | 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 | AND VARIOUS AGENTS 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $2 | — | $2 | 0.23% |
| SCOTT G GOFF3 | 12311 COLBY CIR TYLER, TX 75707 | AFLAC | $37 | — | $37 | 5.66% |
| KIMBERLY O DEMETRI3 | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $16 | — | $16 | 2.45% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $6 | — | $6 | 0.92% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $2 | — | $2 | 0.31% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $2 | — | $2 | 0.31% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.15% |
| MJ INSURANCE3 Filed as: TINA WAY AND VARIOUS AGENTS | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.15% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 429 | $3.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $234K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 429 | $3.6M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $234K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $234K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 429 | $3.6M |
| Other(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.