| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $69K | $0 | $69K | 4.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $12K | $0 | $12K | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $0 | $10K | 4.99% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | UNITED CONCORDIA INSURANCE COMPANY OF NEW YORK | $13K | $883 | $14K | 10.65% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $10K | 13.54% |
| CALLISTA JACKSON3 | 116 BEREHAVEN DRIVE AMHERST, NY 14228 | AFLAC | $935 | $0 | $935 | 3.88% |
| PAUL THOMAS GIANGRECO3 | 184 SWEENEY STREET APARTMENT 424 NORTH TONAWANDA, NY 14120 | AFLAC | $675 | $111 | $786 | 3.26% |
| MICHAEL P FARLEY3 Filed as: MICHAEL P. FARLEY | 1412 SWEET HOME ROAD SUITE 2 AMHERST, NY 14228 | AFLAC | $294 | $44 | $338 | 1.40% |
| MJ INSURANCE3 Filed as: ALAN LECLAIRE AND VARIOUS AGENTS | 10600 CHEVROLET WAY SUITE 202 ESTERO, FL 33928 | AFLAC | $331 | $0 | $331 | 1.37% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY D. MAZUROWSKI | 97 CHAUMONT DRIVE WILLIAMSVILLE, NY 14221 | AFLAC | $129 | $0 | $129 | 0.54% |
| AMY EPSTEIN3 | 1341 MAPLE ROAD WILLIAMSVILLE, NY 14221 | AFLAC | $112 | $0 | $112 | 0.47% |
| MARK LAGRECA3 Filed as: MARK LAGERCA | 171 ELLEN DRIVE SUITE 2 BUFFALO, NY 14225 | AFLAC | $99 | $0 | $99 | 0.41% |
| CHANDRA RENEE CARRIER3 | 10928 NORTH SKILES COURT KANSAS CITY, MO 64157 | AFLAC | $2K | $92 | $2K | 8.35% |
| PAUL THOMAS GIANGRECO3 | 184 SWEENEY STREET APARTMENT 424 MORTH TOWNAWANDA, NY 14120 | AFLAC | $1K | $115 | $1K | 5.11% |
| THE C & S GROUP INC3 Filed as: THE C AND S GROUP INC. | 2301 BURLINGTON STREET SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $453 | $25 | $478 | 2.16% |
| MJ INSURANCE3 Filed as: TAYLOR KELLER AND VARIOUS AGENTS | 8713 COUNTRYSHIRE LANE APARTMENT 4 KANSAS CITY, MO 64138 | AFLAC | $456 | $0 | $456 | 2.06% |
| ELIZABETH A SUTLICK3 Filed as: ELIZABETH A. SUTLICK | 3702 NORTH 154TH TERRACE BASEHOR, KS 66007 | AFLAC | $412 | $40 | $452 | 2.04% |
| BELEN R AGUIRRE3 Filed as: BELEN R. AGUIRRE | 1306 NE SHADY LANE DRIVE KANSAS CITY, MO 64118 | AFLAC | $354 | $0 | $354 | 1.60% |
| KAREN LANGLEY3 | 1000B NE WHISPERING WINDS COURT LEES SUMMIT, MO 64064 | AFLAC | $193 | $8 | $201 | 0.91% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | US FIRE | $1K | $0 | $1K | 10.00% |
| KEYS INS. AND BENEFIT SVCS. INC.3 | 726 EXCHANGE STREET, SUITE 900 BUFFALO, NY 14210 | HARTFORD LIFE AND ACCIDENT | $495 | $0 | $495 | 15.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | 63 GENESEE STREET SUITE 2 AUBURN, NY 13021 | AFLAC | $53 | $0 | $53 | 4.39% |
| DULCE MARIA MEXIA3 | 2001 EAST FINANCIAL WAY SUITE 201 GLENDORA, CA 91741 | AFLAC | $44 | $0 | $44 | 3.65% |
| THOMPSON & ASSOCIATES INSURANCE INC3 Filed as: THOMPSON AND ASSOCIATES INSURANCE | 2743 SOUTH SANDPIPER AVENUE ONTARIO, CA 91761 | AFLAC | $24 | $0 | $24 | 1.99% |
| DAVID J REESOR3 Filed as: DAVID J. REESOR | 2220 EAST ROUTE 66 SUITE 215 CLENDORA, CA 91740 | AFLAC | $11 | $0 | $11 | 0.91% |
| IOANNIS T GRATSINOPOULOS3 Filed as: IOANNIS T. GRATSINOPOULOS | 2320 SW DUNBAR PLACE TROUTDALE, OR 97060 | AFLAC | $1 | $0 | $1 | 0.08% |
| OWEN JOHNSTON3 | 796 NORTH HART STREET ORANGE, CA 92867 | AFLAC | $1 | $0 | $1 | 0.08% |
| KELLY A IRVINE3 Filed as: KELLY ANN IRVINE | 4480 GOLDEN LAKE DRIVE SARASOTA, FL 34233 | AFLAC | $1 | $0 | $1 | 0.08% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 198 | $2.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY OF NEW YORK | 297 | $127K |
| Vision | US FIRE | 265 | $11K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $77K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $77K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $77K |
| Prescription drug(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 198 | $2.2M |
| Other(5 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.