| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $73K | — | $73K | 4.30% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $6K | — | $6K | 4.59% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.72% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 13.75% |
| ORIANA L RENDE3 | 226 GOOD HILL RD WESTON, CT 06883 | AFLAC | $381 | $45 | $426 | 7.88% |
| MICHAEL P ZILINSKI3 | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | AFLAC | $130 | $10 | $140 | 2.59% |
| JUSTIN GRIFFEY3 | 7 MICHELE DR CARLISLE, PA 17013 | AFLAC | $60 | — | $60 | 1.11% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | AND VARIOUS AGENTS 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $37 | — | $37 | 0.68% |
| SAMUEL TATUM3 | 152 HURLBUTT ST WILTON, CT 06897 | AFLAC | $17 | $10 | $27 | 0.50% |
| ELLEN TURTON3 Filed as: ELLEN T TURTON | 73 OLD DAM RD FAIRFIELD, CT 06824 | AFLAC | $26 | — | $26 | 0.48% |
| HILARY A BURNS3 | 3 MARSH CT WESTPORT, CT 06880 | AFLAC | $22 | — | $22 | 0.41% |
| ORIANA L RENDE3 | 226 GOOD HILL RD WESTON, CT 06883 | AFLAC | $194 | — | $194 | 4.64% |
| ELLEN TURTON3 Filed as: ELLEN T TURTON | 73 OLD DAM RD FAIRFIELD, CT 06824 | AFLAC | $68 | — | $68 | 1.63% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $50 | — | $50 | 1.20% |
| MICHAEL R. BONAMARTE3 | 24 LONGVIEW DR BROOKFIELD, CT 06804 | AFLAC | $48 | — | $48 | 1.15% |
| JUSTIN GRIFFEY3 | 7 MICHELE DR CARLISLE, PA 17013 | AFLAC | $42 | — | $42 | 1.01% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | AND VARIOUS AGENTS 11 EVERGREEN AVE WESTPORT, CT 06880 | AFLAC | $21 | — | $21 | 0.50% |
| HILARY A BURNS3 | 3 MARSH CT WESTPORT, CT 06880 | AFLAC | $16 | — | $16 | 0.38% |
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 | 105 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 153 | $1.8M |
| Dental(2 contracts, 2 carriers) | EMBLEMHEALTH | 119 | $211K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $76K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $59K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $59K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.