| 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 | $81K | $0 | $81K | 4.27% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $11K | $0 | $11K | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 4.99% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | UNITED CONCORDIA INSURANCE COMPANY OF NEW YORK | $14K | $947 | $15K | 10.72% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.11% |
| CHANDRA RENEE CARRIER3 Filed as: CHANDRA CARRIER | 10928 NORTH SKILES COURT KANSAS CITY, MO 64157 | AFLAC | $924 | $14 | $938 | 4.70% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL GIANGRECO | 184 SWEENEY STREET APARTMENT 424 NORTH TONAWANDA, NY 14120 | AFLAC | $462 | $38 | $500 | 2.50% |
| KAREN JENSEN3 | 1012 WEST 74TH STREET KANSAS CITY, MO 64114 | AFLAC | $340 | $0 | $340 | 1.70% |
| THE C & S GROUP INC3 Filed as: THE C AND S GROUP INC | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $277 | $11 | $288 | 1.44% |
| MJ INSURANCE3 Filed as: BELEN AGUIRRE AND VARIOUS AGENTS | 1306 NE SHADY LANE DRIVE KANSAS CITY, MO 64118 | AFLAC | $204 | $32 | $236 | 1.18% |
| ELIZABETH A SUTLICK3 Filed as: ELIZABETH SUTLICK | 3702 NORTH 154TH TERRACE BASEHOR, KS 66007 | AFLAC | $96 | $14 | $110 | 0.55% |
| MONICA BLAINE BROCKMAN3 Filed as: MONICA BROKCMAN | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $87 | $0 | $87 | 0.44% |
| PAUL THOMAS GIANGRECO3 Filed as: PAUL GIANGRECO | 184 SWEENEY STREET APARTMENT 424 NORTH TONAWANDA, NY 14120 | AFLAC | $827 | $20 | $847 | 4.65% |
| DEMETRIOUS JACKSON3 | 116 BEREHAVEN DRIVE AMHERST, NY 14228 | AFLAC | $592 | $0 | $592 | 3.25% |
| MJ INSURANCE3 Filed as: AMY EPSTEIN AND VARIOUS AGENTS | 1341 MAPLE ROAD WILLIAMSVILLE, NY 14221 | AFLAC | $271 | $4 | $275 | 1.51% |
| MICHAEL P FARLEY3 Filed as: MICHAEL FARLEY | 1412 SWEET HOME ROAD, SUITE 2 AMHERST, NY 14228 | AFLAC | $252 | $4 | $256 | 1.41% |
| MARK LAGRECA3 | 171 ELLEN DRIVE, SUITE 2 BUFFALO, NY 14225 | AFLAC | $99 | $0 | $99 | 0.54% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY MAZUROWSKI | 156 DEER ROAD, SUITE G GETZVILLE, NY 14068 | AFLAC | $93 | $0 | $93 | 0.51% |
| ALAN LECLAIRE3 | 10600 CHEVROLET WAY, SUITE 202 ESTERO, FL 33928 | AFLAC | $87 | $0 | $87 | 0.48% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | FSL NY | $1K | $0 | $1K | 10.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $53 | $0 | $53 | 4.39% |
| DULCE MARIA MEXIA3 Filed as: DULCE MEXIA | 2220 EAST ROUTE 66, SUITE 215 GLENDORA, CA 91740 | 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 REESOR3 | 2220 EAST ROUTE 66, SUITE 215 GLENDORA, CA 91740 | AFLAC | $11 | $0 | $11 | 0.91% |
| OWEN JOHNSTON3 | 796 NORTH HART STREET ORANGE, CA 92867 | AFLAC | $1 | $0 | $1 | 0.08% |
| IOANNIS T GRATSINOPOULOS3 Filed as: IOANNIS GRATSINOPOULOS | 3565 SUMMERLINN DRIVE WEST LINN, OR 97068 | AFLAC | $1 | $0 | $1 | 0.08% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DRIVE ESTERO, FL 33928 | 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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | 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 | 212 | $2.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY OF NEW YORK | 287 | $135K |
| Vision | FSL NY | 285 | $11K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $74K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $74K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $74K |
| Prescription drug(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 212 | $2.3M |
| Other(5 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.