| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | ONE HUNTINGTON QUADRANGLE SUITE N402 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $31K | $0 | $31K | 7.72% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC. | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $27K | $0 | $27K | 6.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | ONE HUNTINGTON QUADRANGLE SUITE N402 MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 3.41% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC. | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | UNITED HEALTHCARE INSURANCE COMPANY | $776 | $0 | $776 | 0.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | ONE HUNTINGTON QUADRANGLE SUITE N402 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $230 | $0 | $230 | 2.06% |
| CORPORATE SYNERGIES GROUP LLC4 Filed as: CORPORATE SYNERGIES GROUP, LLC. | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $219 | $0 | $219 | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | ONE HUNTINGTON QUADRANGLE SUITE N402 MELVILLE, NY 11747 | ANTHEM BLUE CROSS | $1K | $0 | $1K | 9.89% |
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 | 494 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 214 | $405K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 152 | $89K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 201 | $11K |
| Life insurance | ANTHEM BLUE CROSS | 494 | $11K |
| Other | ANTHEM BLUE CROSS | 494 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.